Kogan home insurance review

What does Kogan home insurance cover?

There are 2 levels of home insurance cover available: Essential and Top. Both can deliver the all-important protection from natural events and legal liability cover while Top can also cover a range of additional benefits. You can choose from combined home and contents, contents only, and landlord insurance.

Here are some of the main events a Kogan home insurance policy can cover you for.

Kogan home insurance comes with a 14-day cooling off period which is less than other insurers – the standard is 21 days. This means you can cancel within 14 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.

An overview of Kogan home insurance features

Wondering about Kogan's home insurance complaints?

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. 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 (The Hollard Insurance Company Pty Ltd) did:

• The Hollard Insurance Company has a pretty good rate of resolving its complaints directly with its customers considering the size of the company.
• It has a high number of complaints compared to Auto & General and Youi.

Bottom line about Kogan home insurance

Kogan home insurance is good if you want an insurer that's underwritten by a big insurer like Hollard but comes with Kogan.com perks.

If you're not yet ready to take out a policy, you can compare other home insurance policies side-by-side here.

Frequently asked questions about Kogan home insurance

• How do I make a claim with Kogan?

  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.

• Am I covered for flood with Kogan?

  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.

• Do I have to pay an excess with Kogan home insurance?

  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.

• Who is eligible for a Kogan home insurance policy?

  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.