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Car Insurance – FAQ2022-02-02T15:18:03+10:00

As of 3 February 2022, we are no longer partnering with our previous underwriter Hollard Australia for Home, Motor or Landlord insurance. That means, from this date we are no longer offering renewal on existing Hollard policies because the products no longer exist. We are planning to offer alternative policies using another underwriter and will publish more information about this once the details are confirmed.

You can find more information on our Information page.

For Existing Policyholders Only

FAQ – Car Insurance

Assisting you if you’re experiencing domestic or family violence2020-06-29T11:35:34+10:00

We understand that there are times when our customers may be feeling vulnerable, and we appreciate this can take on many forms such as language barriers, financial hardship, and issues and difficulties arising from domestic family violence. In these situations, we are committed to providing extra care. Read More.

What is the end odometer reading?2021-08-31T17:53:21+10:00

The end odometer reading indicates the maximum odometer reading for your car during the period of insurance and will be shown on your Certificate of Insurance.

At the time of a claim, if your car has exceeded the end odometer reading, you will need to pay an Outside odometer excess, as well as any other excesses applicable. There are some claims for which an excess does not apply.

See our PDS for more details.

Does it cost any extra if I pay by the month?2018-05-24T09:09:13+10:00

Paying monthly does cost a little extra. Alternatively, you can choose to pay less with an annual payment option.

Can I delay my monthly insurance payment?2017-08-03T16:19:23+10:00

We are unable to delay payments, however, if one of your payments is unsuccessful, you have 30 days from your payment due date to make the payment before your policy is cancelled. If your policy is being renewed and your payment is unsuccessful, you will have 14 days from your payment due date to make this payment.

Do you have age restrictions on your car insurance?2017-08-03T16:23:45+10:00

We insure licenced drivers and learner drivers. We do not cover drivers that are younger than any age restriction shown on your Certificate of Insurance as certain vehicles have higher age minimums. We will not cover drivers under 25 if you have selected to exclude drivers under 25 years old for your policy.

Are any of my personal details ‘sold’ or disclosed to any other 3rd parties?2017-08-03T16:23:50+10:00

Hollard and Kogan Insurance have a Privacy Policy which complies with relevant Australian Privacy Law and details how we treat your personal information. This information is also available in our Product Disclosure Statement.

I have lost my car insurance documents, how do I get replacement documents?2017-08-03T16:23:58+10:00

If you’ve lost your Certificate of Insurance or Product Disclosure Statement, simply call us on 1300 034 888, and we’ll email or post copies of your documents to you. You can also download the Product Disclosure Statement directly from our website.

How do I make changes to my car insurance policy?2017-08-03T16:24:04+10:00

You can make changes to your car insurance policy quickly and easily by calling us on 1300 034 888. It only takes a few minutes, and there are no administration fees. Remember, depending on the changes you make, the cost of your car insurance premium could change too.

Do you offer cover notes?2017-08-03T16:24:14+10:00

No, we do not offer cover notes for car insurance cover.

Do you offer CTP green slips?2017-08-03T16:24:17+10:00

No, we don’t offer CTP (Compulsory Third Party) green slips at Kogan Insurance. We do offer Comprehensive, Pay As You Drive, Third Party Fire & Theft and Third Party Property Damage car insurance cover and you can simply get a quick car insurance quote online or contact us on 1300 034 888 to discuss your insurance needs.

What happens if my payment date falls on a weekend or public holiday?2017-08-03T16:24:22+10:00

If your payment date happens to fall on a weekend or public holiday, the payment will be taken out on the next business day.

Are my bank / credit card details protected?2017-08-03T16:24:26+10:00

We take the collection and privacy of your details very seriously and ensure that your details remain secure once they are entered into our system. Our Privacy Policy details how we treat the security of your personal information.

What payment frequencies do you have?2018-05-18T17:32:54+10:00

You can pay your car insurance (as well as home and contents insurance) premiums annually or by the month.

What no-claim discount do you offer on car insurance?2017-08-03T16:25:11+10:00

At Kogan Insurance, we believe in giving all our customers real savings and real value right from the start. So instead of promising you a no claim bonus sometime in the future, we give you lower-cost insurance from the day you join.

We work out your premium by considering factors like the type of car you want to insure, your age, other drivers of your car, your location and your insurance history, then give you the best possible deal every time.

To find out how much you could save, get an online car insurance quote today.

How can I reduce my car insurance premium?2022-02-02T15:54:51+10:00

We’d be happy to help! We have a wide range of insurance options, so you can choose a policy that’s affordable for you. Here are some of the ways you can keep costs down:

  • Choose a higher excess. The higher your excess, the lower your premium. But remember, while your premiums will be cheaper now, you will have to pay more if you need to make a claim.
How can I pay for my car insurance policy?2017-08-03T16:25:27+10:00

You can pay by direct debit from a credit card or bank account. We’ll set up an automatic payment schedule for you so you don’t need to do anything when your premium is due – it’s all done for you!

How is my end odometer reading calculated?2022-02-02T15:47:55+10:00

The end odometer is calculated when you first take up your policy, by adding the amount of kilometres you estimate you will drive to the start odometer reading you have provided.

What happens if I run out of kilometres?2021-08-31T17:53:42+10:00

If you find yourself coming close to your end odometer reading, you can apply for an increase at any time over the phone, subject to conditions and additional premiums. See our PDS for more details.

At the time of a claim, if your car has exceeded the end odometer reading, you will need to pay an Outside odometer excess, as well as any other excesses applicable. There are some claims for which an excess does not apply.

What is the starting odometer reading?2017-10-27T10:48:43+10:00

Your car’s odometer reading you provide when you first take out the Pay As You Drive cover. This reading will be shown on your Certificate of Insurance in your first period of insurance.

Do I qualify for Pay As You Drive cover?2017-10-27T10:46:30+10:00

If you are not driving frequently you could qualify for our Pay as You Drive cover and save money on your car insurance. If you are eligible for our Pay As You Drive cover when obtaining a quote, you will be offered that option.

What is the Pay As You Drive option?2021-08-31T17:51:59+10:00

Pay As You Drive is unique a concept in car insurance. Designed specifically for cars that are driven 15,000km per year or less, it offers all the benefits of Comprehensive insurance, but you only pay for the kilometres you plan to drive. Here’s a summary of how it works:

When you buy a Pay As You Drive policy, you nominate the number of kilometres you plan to drive each year (up to 15,000km) and tell us your car’s odometer reading at the start of the policy. We add these together to calculate your End Odometer reading, which will be shown on your Certificate of Insurance.
We calculate your premium based in part on the number of kilometres you tell us you plan to drive.

At the time of a claim, if your car’s odometer reading at the time of the incident is more than your Start Odometer reading and less than the End Odometer reading shown of your Certificate of Insurance, you get the same cover as you would with our Comprehensive insurance. If not, you still have the same cover, except you also pay the Outside Odometer excess ($1000). This is in addition to any other excesses which apply to the claim. In some cases, no excess is payable.

At each renewal, we increase your End Odometer reading by the number of kilometres you told us you planned to drive each year. You can also ask us adjust your End Odometer reading at any time.
However, your end odometer reading cannot be more than 15,000km higher than:

  • your Start Odometer reading (for new policies) or
  • your End Odometer reading immediately before your last renewal (for renewed policies).

To increase your End Odometer reading, give us a call on 1300 034 888 during our operating hours.
See our PDS for more details.

Can I change the level of cover of insurance at any time?2017-08-03T16:26:05+10:00

Depending on the cover you have chosen, you can change your level of cover during the policy period to suit your needs. Please speak to us immediately when your circumstances change by calling 1300 034 888.

If I am selling one car and buying another, do I have to take out another car insurance policy?2017-08-03T16:26:10+10:00

Once you have sold your car it is no longer covered under your policy. The purchaser must arrange their own insurance on delivery. If you buy a replacement car, your policy will automatically cover this replacement car from your date of purchase provided that you tell us within 14 days of buying the car, and we agree to insure it and you pay any applicable additional premium.

I have After Market Extras on my car, do you need to know about these?2017-08-03T16:26:14+10:00

If the After Market Extras are to be covered as part of the total value of your car they must be listed on your Certificate of Insurance. We will then cover the After Market Extras as part of your car if it is stolen or damaged in an incident which is covered under your car policy.

What are After Market Extras?2017-08-03T16:26:18+10:00

After market extras are accessories that are added to your car but do not come standard on the car. They are not offered as an option on the car when purchased new from a dealership.

Do you cover learner drivers?2017-08-03T16:26:29+10:00

Yes, we do! If you’re a learner driver, our car insurance policies will cover you as long as:

  • you’re accompanied by a fully licensed driver
  • you have a current Learner Drivers Licence, Learners Permit or the equivalent for the state or territory where you live.

An additional excess may apply in the event of a claim if the car is being driven by a learner driver.

Am I covered for new car replacement?2021-03-23T14:59:19+10:00

If within the first 24 months of the starting date of its original registration your car is declared a total loss, depending on the level of cover you choose, we will replace your car with a new car of a same or similar make and specification. This cover applies if you are the first registered owner or the car was a dealer demonstrator model when you bought it.

What is the difference between windscreen replacement and Excess Free Windscreen cover?2017-08-03T16:27:14+10:00

If you have agreed to purchase the optional extra Excess Free Windscreen Cover the excess will not be payable if the claim is only for windscreen glass breakage. This option allows one excess free claim per policy period.

Am I covered for windscreen replacement even if I don’t have the extra Excess Free Windscreen option?2017-08-03T16:27:18+10:00

If your windscreen is damaged we will pay the cost of replacing or repairing the front windscreen. An excess will be applicable.

Are there any optional benefits I can add to my car insurance?2017-08-03T16:27:22+10:00

Depending on the type of car insurance cover you choose, you can add optional extras, such as Hire Car cover, Excess Free Windscreen Cover or Roadside Assistance. Simply choose the extras you’d like when you get a car insurance quote online, take out a policy, or ask our friendly customer service consultants when you call.

What is ‘market value’?2017-08-03T16:27:26+10:00

The reasonable market-related value that we determine the market would pay for your car immediately before its loss or damage. We take into account the age, make, model, conditions and kilometres travelled by your car and may consider industry publications to help determine the amount. The amount does not include any registration costs, stamp duty or transfer fees or allowance for dealer delivery.

Market value includes an allowance for accessories. The market value may be subject to a limit, which if applicable, will be shown on your Certificate of Insurance.

What is an ‘agreed value’?2017-08-03T16:27:30+10:00

The agreed value of your car is the amount we agree to insure your car for. The agreed value is valid for the term of your car insurance policy. The agreed value for your car is shown on your current Certificate of Insurance. This amount may change with each renewal.

Do I have to pay an excess if the accident/incident is not my fault?2021-03-23T15:02:28+10:00

You may not need to pay an excess if:

  • you are not at fault and you can provide us with the details of the responsible party such as the name and address of the other driver/owner of the other car and registration number; or
  • the damage did not involve another car and you are able to identify the other party responsible and provide their name and address.
Are there any additional excesses for car insurance?2017-10-27T10:43:50+10:00

Yes, there are. Your basic excess will apply as the first payable amount (excess) at the time of a claim. Depending on the circumstances of the incident and who the driver was at the time, the following excesses may also be applicable:

  • Age excess
  • Inexperienced driver excess
  • Learner driver excess
  • Undeclared young driver excess
  • Outside odometer excess (if Pay As You Drive cover selected)

If you have any questions about excesses and your Kogan Insurance car insurance policy, please call us on 1300 034 888 or check your Kogan Car Insurance Product Disclosure Statement.

Can I change my car insurance excess?2017-08-03T16:27:42+10:00

You have the flexibility to increase your excess at any time during your car insurance policy. However, you can only decrease your excess when renewing your policy or during the 14 day cooling off period if you have not made a claim.

How does the excess amount affect the premium I pay?2021-03-23T15:01:50+10:00

The excess is the amount you contribute towards a claim, therefore, if you are willing to contribute more at the time of a claim (higher excess) you will have a lower premium during the policy period. A lower excess would mean you would pay a higher premium. But remember, while your premiums will be cheaper now, you will have to pay more if you ever have to claim.

When will I need to pay an excess?2021-03-23T15:00:52+10:00

In the event of a claim and you are required to pay an excess(es), then we will ask you to pay:

  • your excess(es) to the repairer when you pick up your car; or
  • directly to us before you pick up your car or we settle a claim on our behalf; or
  • we may deduct your excess(es) from the amount we agreed to pay you.
What is a car insurance excess?2021-03-23T14:59:58+10:00

An excess is the amount you need to contribute towards the cost of repairing your car if you make a claim. To make car insurance premiums more reasonable for everyone, we include an excess in your policy. Then, when you make a claim, you’ll need to pay your excess(es).

There are different types of excesses depending on what your claim relates to, who was driving your car and the type of cover you have chosen. If your claim is for more than one accident or event, you or the driver will have to pay the excess for each accident or event. You can find the amount of each excess you’ll need to pay on your Certificate of Insurance.

Will I continue to have a higher premium due to previous claims I have had?2017-08-03T16:27:58+10:00

We only take into consideration claims within the past 3 years. Your relevant claims history will determine whether we are prepared to offer you insurance and/or continue to offer you cover. Your previous claims history may affect the premium amount we offer you.

What happens if I don’t disclose all my claims or forget to tell you about claims I have had?2017-08-03T16:28:02+10:00

You need to disclose previous car insurance claims within the last 3 years for us to determine whether we are able to offer you cover. When you make a claim we may verify your previous claim history. If you do not disclose the correct information, we have a right to cancel your policy and not pay your claim.

How do I lodge a car insurance claim?2017-08-03T16:28:06+10:00

It’s easy to lodge a car insurance claim with Kogan Insurance. Just call 1300 034 888 and our personal Client Manager will help you through the process, step by step. You can also submit a claim online through our online Claims Centre if it’s not an emergency.

Can I choose my own repairer when I make a claim?2021-03-23T14:58:54+10:00

If you need to make a claim and your car needs repairs, we’ll choose a qualified repairer located as close as possible to your home or work from our extensive network. When you use one of our approved or appointed repairers, the repairs are covered by a guarantee.

I’ve had a car accident. What should I do?2021-03-23T14:58:23+10:00
Step 1

Make sure you and your family are safe and your car is secure so it is not damaged further. This may mean having it towed.

Call the police if required by law or your policy.

Step 2

You will need to get details of anyone else involved i.e. full name, address, phone number, registration number, driver’s licence number and insurer.

Step 3

Report the incident to the police if the law requires it to be reported.

Step 4

Call our claims team 1300 034 888, 24 hours a day, seven days a week

If you can’t contact us, do everything you can to prevent any further damage, including having your car towed to the nearest safe place.

Make A Claim

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1300 034 888

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