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For those that only drive a little, Pay as You Drive Insurance is a great value option that offers all the benefits of comprehensive cover at an even better price.

The less time you spend on the road, the more you’ll save!

How it Works

Step 1: Get a Quote

Contact us online or call us on 1300 034 888 and tell us how many kilometres you plan to drive each year. We’ll let you know if you qualify and give you a quote.

Step 2: Provide your start odometer

Next, you will need to provide the start odometer reading of your car when you purchase the policy. Your end odometer reading is calculated by adding the amount of kilometres you plan to you drive to the start odometer reading that you have disclosed.

Step 3: Apply to top up your kilometres

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’s Covered

  • Accidents, fire, storm, theft and damage to your car and belongings
  • Damage to other vehicles and property
  • Receive a brand new car with on-road costs paid if your new car (in the 24 months after purchase) is written off
  • Get a guarantee on claim repairs when you use one of our specially selected repairers
  • Replacement of damaged child safety seats, baby capsules and prams (up to $500)
  • Lock and keys replacement if your car keys are stolen
  • We’ll even help with repair costs to trailers and caravans if they’re attached to your car in an accident

Please note: this is a summary of our Pay as You Drive Insurance policy. Make sure to read our Product Disclosure Statement for full details.

Get an Express Quote

The Kogan Car Insurance Difference

  • Exclusive online discounts – Insurance made simple! Save up to 10% when you buy online.1
  • Earn $50 Kogan.com Credit – with Comprehensive and PAYD policies, to spend at Australia’s #1 online retailer!+
  • $10 off Kogan.com every month – Active Kogan Insurance policyholders receive $10 off a purchase of $100 or more at Kogan.com once a month.^
  • Kogan First Benefits – Bonus rewards when you sign up to Kogan Insurance as a Kogan First member! Click for details.
  • 14-day Money Back Guarantee – Risk-free sign up! We’re confident you’ll love your coverage, but in case you don’t, we have a 14-day money back gaurantee.
  • Super Friendly Claims Process – Your claim, your way! Claim online 24/7, or call us to speak to our friendly team.

1.Up to 10% discount consists of 5% saving for online purchases, applicable first year only. Up to 5% off if you choose to exclude drivers under 25. New policies only. Minimum premiums may reduce savings discount.

+$50 Kogan.com Credit offer (“Offer”): Valid for Kogan Comprehensive Car Insurance, Kogan Pay As You Drive Car Insurance, combined Kogan Home and Contents Insurance, and combined Landlords Building & Contents Insurance. The Offer is valid for new Relevant Policies (not renewal or reinstatement policies). Kogan.com reserves the right to amend, extend or withdraw this Offer at any time. The $50 Kogan.com credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 45 days from the commencement date of the Relevant Policy, provided the annual premium or the first instalment premium for the Relevant Policy has been paid in full. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 45 day period. The customer must provide a valid email address at the time of purchase to receive this Credit. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. You are also required to meet any relevant terms and conditions of the Relevant Policy, contained in the relevant product disclosure statement when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash.

^Monthly $10 Kogan.com credit offer valid on a single purchase of $100 or more (excluding shipping). Offer applies to all active Kogan Insurance policies, excluding Kogan Travel Insurance policies (“Relevant Policy”), after 30 days from the commencement date of the Relevant Policy. Credit will be issued by Kogan.com via email, in the first week of every month to all eligible policyholders. Credit will expire 30 days from date of issuance. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free. You will be sent an email from Kogan.com to create an account so you can claim your Kogan.com credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. Kogan.com is solely responsible for all representations made regarding this offer. 

$50 Kogan.com Kogan First Credit offer (“Offer”): To be eligible you must purchase a Kogan Pet Insurance, Kogan Comprehensive Car Insurance, Kogan Pay As You Drive Car Insurance, combined Kogan Home and Contents Insurance, or combined Landlords Building & Contents Insurance policy (“Relevant Policy”) and be a Kogan First member at the time of purchasing the insurance policy. The Offer is valid for new Relevant Policies (not renewal or reinstatement policies). The Offer is only available to Kogan First members who hold a current Relevant Policy at the time the Credit is applied, and have held the Relevant Policy and been Kogan First members for at least 45 days at the time the Credit is applied (“Qualifying Period”). The $50 Kogan.com credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 45 days from the commencement date of the Relevant Policy, provided the annual premium or the first instalment premium for the Relevant Policy has been paid in full. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 45-day period. Limit of one $50 Kogan.com credit per eligible policy type for each Kogan First membership. The customer must provide a valid email address at the time of purchase to receive this Credit. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. You are also required to meet any relevant terms and conditions of the Relevant Policy, contained in the relevant product disclosure statement when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash. If the Kogan First program is discontinued or your membership is cancelled or terminated (see Kogan First terms and conditions here), you will not receive Credits. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. Kogan.com is solely responsible for all representations made regarding this offer.

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1300 034 888

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