Call 1300 034 888 to update your cover, if your change is agreed to, it will be reflected on your Certificate of Insurance. Call as soon as reasonably possible, as changes to your policy can impact your premium, excesses, or whether your insurance can continue. Changes can’t be backdated, so they will be effective from [...]
You’re in good hands. A team of experts handle the claims process, and are there to help whenever you need them. If you require urgent assistance, or would like to speak to a claims team member, please call 1300 034 888. To claim online you’ll need the following: Your policy number Details about what happened [...]
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.
You can use a Contents Calculator to help determine an estimated replacement cost for your contents. Your contents sum insured should include the cost to replace items such as your carpet, blinds, curtains, personal items, furniture and household goods. Items of value which can be individually listed on your Certificate of Insurance such as jewellery or artworks [...]
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 [...]
There are policy limits on certain contents items so if they are not listed on your Certificate of Insurance, they may be subject to the limit as stated in our Contents Insurance Combined Financial Services Guide and Product Disclosure Statement.