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For an additional premium we offer cover for accidental damage as an optional benefit to Home Insurance. Your cover will depend on whether you've chosen insurance for your buildings, contents or both.. So, if you choose the Accidental Damage option, you have contents cover and you accidentally spill paint on your carpet or you have buildings [...]
Kogan Contents Insurance provides protection for your belongings for loss or damage caused by insured events like theft, fire and storm. It also includes standard features like temporary accommodation if your home is unliveable due to damage by an insured event. Legal liability cover is also included anywhere in the world, for example, if you [...]
An excess is the amount(s) of money you pay or must contribute towards the cost of any claim. All excess amounts relevant to your cover will be shown on your Certificate of Insurance. When you take out home insurance with Kogan Insurance, you can nominate the level of excess you want. Generally, the higher the excess you [...]
You can increase your level of excess at any time during your home and/or contents insurance policy period. 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.
You can find your nominated level of excess on your home and/or contents Certificate of Insurance, sent to you when you took out your policy with Kogan Insurance, or when your policy renewed. If you can’t find these documents, please call us on 1300 034 888 to find out your excess amount/s.
In most cases, the excess is the amount you contribute towards a claim, therefore, if you are willing to contribute a higher Basic Excess at the time of a claim, you will have a lower premium during the policy period. A lower Basic Excess would mean you would pay a higher premium. Be sure to [...]
In the event that the claim relates to the same insured event and the damage sustained is due to the same insured event (i.e. storm damage to your home and contents), then you would only need to pay whichever excess is the higher of your home or contents excess.
Certain contents items such as jewellery and watches, collections and artworks, rugs and antiques have standard policy limits.. If the limit is not enough to cover the repair or replacement of a particular item you will need to tell us and if we agree to increase the limit, these will be listed on your Certificate [...]
They can be covered under your contents cover against loss or damage by an insured event within the home. Mobility Scooters can also be covered outside of the home under the Portable Contents option for an additional premium.Read the Contents Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions [...]
Cover is provided for your personal belongings inside the home for insured events such as theft, fire and storm. If you have the Accidental Damage option and your mobile phone was accidentally damaged inside the home then this can also be covered. If your phone was stolen from the home, you would need to provide a Police [...]