You get lots of Kogan.com benefits, including $10 off purchases over $100, once a month.
Kogan home insurance is issued by QBE Insurance (Australia) Limited, one of Australia's biggest insurers. It means you're in trusted hands but your policy is similar to other QBE insurance products.
Its 16% discount isn't market-leading – Budget Direct, St.George and Westpac all offer more.
Deal
16% off on your premium for the first year + $10 credit
Sign up online and get 16% off your policy for the first year plus $10 ongoing monthly credit. T&Cs apply.
Kogan home insurance comes with a 21-day cooling off period which is the standard among most insurers. This means you can cancel within 21 days of taking out a policy and you won't be charged, so long as you don't make a claim. Like all insurers, you'll also need to pay at least one excess when you submit a claim.
Wondering about Kogan's home insurance complaints?
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Here's an overview of how Kogan's underwriter, QBE, did:
It received significantly fewer complaints compared to other insurers of its size
QBE has a fairly low rate of resolving its complaints directly with its customers compared to Hollard and Insurance Australia Limited.
Bottom line about Kogan home insurance
Kogan home insurance is good if you want an insurer that's underwritten by a big insurer like QBE but comes with Kogan.com perks.
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Frequently asked questions about Kogan home insurance
Before making a claim you should:
Secure your home and take reasonable steps to prevent further damage.
Report the incident to police if applicable.
Call the Kogan claims team on 1300 034 888 and report the incident.
Do not admit any guilt, liability or fault, except to police, and do not offer to negotiate or settle with any other parties, or consent to any repairs without approval from Kogan, except for the purposes of minimising further damage.
Yes, Kogan home insurance is one of the few insurers to automatically cover flood. Many will only cover you if you pay extra for it.
Yes, all home insurance policies generally require you to pay an excess. This is an amount you need to contribute whenever you make a claim. Kogan comes with a basic excess and you'll also be required to pay additional excesses if your claim is related to earthquake or flood.
A Kogan home or contents insurance policy is suitable for someone who owns and occupies a home (but not a home owned under a strata title, community or company title). Its Top cover is tailored to those who want accidental damage cover, higher limits and additional benefits. To be eligible, your home should:
not be under construction or major renovation or alteration
be kept in good repair and reasonably protected from loss or damage
comply with statutory and government requirements
be used primarily for residential purposes and not be unoccupied for more than 60 consecutive days
A note on Kogan home insurance reviews
If you've held or currently hold a Kogan home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Kogan is right for them. Some reviews are from a survey commissioned by Finder.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
The Federal Court of Australia today dismissed proceedings brought by ASIC against Finder Wallet. The Judgment, handed down by Justice Markovic, ruled that Finder Earn was compliant with applicable consumer financial laws.
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How do i get a price for home and contents Insurance from Kogan?
Hello Patricia,
Thank you for your inquiry.
You can visit Kogan Insurance website and look for the “Home Insurance” and “Content Insurance” tabs. Afterwards, click “GET AN EXPRESS QUOTE” button.
Hope this helps.
Cheers,
Jonathan