Most of our landlord, building and contents insurance claims can be completed over the telephone. To ensure we get all of the details right, we may ask you to put pen to paper when finalising your claim. Your personal Client Manager will help you through this process.
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 Landlords 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 Landlords 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 Landlords 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).
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 [...]
If there is damage to both my building and contents do I need to pay two excesses if I lodge a claim?
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 building and contents), then you would only need to pay whichever excess is the higher of your building or contents excess.