Landlords Insurance – FAQ2022-12-05T12:05:16+10:00

FAQ – Landlord Insurance

Does Kogan Landlord Insurance cover tenants contents?

No, Kogan Landlord Insurance doesn’t cover contents owned by your tenants. If you’ve selected cover for contents, it only provides cover for the contents that belong to you and that are intended to be used by your tenant, located at the property that is being rented.

Read the Landlord Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.

What’s legal liability cover in relation to landlord insurance?

Under Kogan Landlord Insurance, if you have buildings cover or you are a strata lot owner with contents cover only, cover is provided for your legal liability for personal injury and damage to property arising from an event at your rental property.  

For example, you may be found liable to pay compensation when a tenant falls and is injured at the rental property.

Kogan Landlord Insurance provides legal liability cover up to $30 million.

Read the Landlord Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.

Will I have cover for damage caused by tenants?

Kogan Landlord Insurance provides protection for things like vandalism, malicious acts and accidental damage caused by tenants.

Read the Landlord Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.

Assisting you if you’re experiencing domestic or family violence2022-10-03T10:06:39+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 family and domestic violence. In these situations, we are committed to providing extra care. Call 1300 034 888.

What is an excess?2022-10-03T11:55:07+10:00

In most cases, the excess is the amount you’ll need to contribute towards a claim. Your contribution may be made up of one or more excess types.

You can find more information about excesses and how they apply in the Landlord Insurance Combined Financial Services Guide and Product Disclosure Statement or by reading our Landlord Insurance Additional Information Guide.

Are my fences covered?2022-09-21T15:03:18+10:00

If you have buildings cover, fences are protected against insured events such as fire, collision and a falling tree or branch. However, some limits, conditions and exclusions can apply, for example, damage caused by storm, storm surge, rain, hail or flood if the fences were in a poor or damaged condition before the incident, or were installed or constructed incorrectly, are not covered.

Read the Landlord Insurance Combined Financial Services Guide and Product Disclosure Statement for more details.

Why don’t you offer an ‘unlimited’ building sum insured?2022-09-21T14:32:54+10:00

Kogan Insurance lets you choose your own sum insured for your buildings insurance. This way, you can choose the amount you’ll need to replace your buildings if you suffer a total loss. By nominating an adequate amount, you may become eligible for the Buildings Sum Insured Safeguard benefit. With this benefit, if you need to rebuild your home after a total loss, cover can be provided up to 30% more than your nominated buildings sum insured. Your Certificate of Insurance will confirm if your policy includes the benefit.

Do I need to know the measurements for the building?2022-09-21T14:31:54+10:00

No, you do not need to know the exact measurements of the building. Some examples of the things you’ll need to know are:

  • The address and age of the building,
  • The construction materials the external walls and roof are made from (for example, brick veneer, double brick, timber, cement tiles), and
  • Property details such as the slope of the land the home is built on and how many bedrooms, bathrooms and garages there are.
How do I know how much I should insure my building for?2022-09-21T14:29:39+10:00

When considering the sum insured for your buildings, this amount should cover the full cost to rebuild your rental property including the cost of fixtures such as carports, fences and inground pools. It should also include costs such as demolition and clearing debris from the land in the event of a total loss, however, the buildings sum insured should not include land value.

You should also consider increased building costs to meet stringent and Local Council building requirements. You can use a home building calculator to help estimate a value. If you are unsure of the replacement cost, please consult an appropriate building professional as the information we have provided is generic and may not be suitable for you.

How does the excess amount affect the premium I pay?2022-09-21T14:23:42+10:00

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 pick a Basic Excess you can afford to pay at short notice if you need to make a claim.

Do I have to fill out forms to make a claim?2022-09-21T14:18:19+10:00

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
Details of other people involved

Can I change my Landlords Insurance excesses?2022-09-21T14:21:47+10:00

You can change your basic excess by calling 1300 034 888.

If there is damage to both my building and contents do I need to pay two excesses if I lodge a claim?2022-09-21T14:26:52+10:00

If you make a claim for both your buildings and contents as a result of the same incident (e.g. storm damage to your rental property and its contents), you’ll only have to pay the Basic Excess once. Other excesses may apply, and these will be shown on your Certificate of Insurance.

How do I find out how much my Landlords Insurance excess is?2022-09-21T14:22:35+10:00

You can find your excesses on your Certificate of Insurance. If you can’t find these documents, please call 1300 034 888 to find out your excess amount/s.

Why has my Landlords sum insured increased on my renewal documents?2017-08-03T16:19:40+10:00

Each year at your insurance renewal, we automatically adjust the amount you are insured for to help the cover keep pace with inflation. In addition to this adjustment, you may also need to consider (amongst other things) recently completed improvements to your building.

I have lost my insurance documents, how do I get replacement documents?2022-10-03T10:19:21+10:00

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

How do I change my details on my Landlords Insurance policy?2022-09-21T15:09:51+10:00

If you have sold or moved into your investment property, need to increase your sum insured, or advise us of any other changes to your details, then please call 1300 034 888. There are no administration fees to make these changes.

Please keep in mind that your Landlord Insurance premium may go up or down, and in some cases your policy may be cancelled. The outcome will depend on the change you need to make, and you’ll know when any of these things happen.

Are my bank / credit card details protected?2022-09-21T17:26:13+10:00

Kogan and QBE take the collection and privacy of your details very seriously and ensure that your details remain secure, in accordance with our respective Privacy Policies.

Can I pay my premium fortnightly?2022-09-21T16:34:50+10:00

No, fortnightly payments are not available for any Kogan insurance policies, but you can choose between monthly and annual payment options. You can pay less if you choose to pay annually.

What happens if my payment date falls on a weekend or public holiday?2022-08-25T11:08:22+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.

Can I delay my monthly insurance payment?2022-08-25T11:07:55+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.

Does it cost any extra if I pay by the month?2022-08-25T11:07:26+10:00

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

What payment frequencies do you have?2022-09-21T16:29:52+10:00

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

How do I renew my Landlords Insurance policy?2022-09-21T16:28:44+10:00

If you’re invited to renew your policy, you’ll receive the renewal invitation at least 14 days before your renewal date which will outline what you need to do for the policy to continue. You should check your renewal invitation carefully and contact 1300 034 888 if you need to make any changes to your policy or details.

If your payment is set up with an automatic direct debit, your payments are up to date, and if no changes are required to your policy, your policy will automatically renew. If you would like to change your payment method or cancel your policy, please contact enquiries@koganinsurance.com.au or call 1300 034 888.

If you pay your premium annually via BPay, Post Bill Pay, Online, Phone or Paypal, your renewal invitation will have instructions on how to pay and the payment due date, to continue your cover.

How can I reduce my Landlords Insurance premium?2017-08-03T16:19:50+10:00

You can reduce your premium by choosing a higher excess. Remember though, that while your premium will be cheaper, you will have to pay a higher excess if you need to make a claim.

How can I pay for my Landlords Insurance policy?2022-09-21T16:27:11+10:00

You can pay annually or in instalments by direct debit from a credit card or bank account whereby an automatic payment schedule will be set up for you.

If these options don’t suit you, you also have the option to pay your premium annually via BPay, Post Bill Pay, Online, Phone and Paypal.

Motor burnout is automatically included on my previous insurance, why do I have to pay with you?2020-05-17T20:21:54+10:00

Each insurer will have different cover levels. We do not want you to have to pay for things you may not need, therefore motor burnout is an optional benefit you can choose to include in your cover or not.

My financier needs an insurance certificate, what do I do?2022-10-03T10:21:58+10:00

If you’ve lost your Certificate of Insurance or Combined Financial Services Guide and Product Disclosure Statement, simply call 1300 034 888, and your documents will be emailed or posted to you.

You can also download the Combined Financial Services Guide and Product Disclosure Statement, Additional Information Guide and Target Market Determination directly from our website.

What is Strata Title?2022-08-26T11:26:49+10:00

Where a property is divided into separate ‘lots’. Lot owners pay fees that go towards maintenance and repair of shared common property. The scheme may be self-managed or managed by a licensed body corporate strata manager.

If you’re unsure, check with the body that manages your property.

Can I get Landlords Insurance if my building is under Strata Title?2017-08-03T16:21:22+10:00

We cannot normally insure your building if it has a Strata Title and is insured under a body corporate. However, there may be some instances where we can offer building insurance for Strata Title properties. If you are unsure, please call us on 1300 034 888 to discuss with us. We can offer contents insurance to cover the fixtures and fittings that aren’t covered by the body corporate’s insurance.

I’ve divorced/separated from my partner. Who is listed on my insurance?2017-08-03T16:21:18+10:00

If you have divorced, or separated from a partner listed on your building and contents insurance documents, please call us on 1300 034 888. As each situation is different, we can discuss your needs confidentially over the phone, and make any necessary changes to your policy.

What should I do if I move?2022-09-22T17:45:07+10:00

If you move, you need to call 1300 034 888 to update your policy with the details of your new home. When you call, please have the following information handy:

  • The date you are moving address
  • Your new address
  • Details about your new home such as the age and its construction materials

Please be aware that because your premium is made up of many factors such as the location of your property, as well as the specific details of your home, the premium may change when you move. In some cases, your policy may be cancelled. The outcome will depend on the changes you need to make, and you’ll know when any of these things happen.

Do you offer cover notes?2022-08-26T11:29:02+10:00

No, we do not offer cover notes for any of our insurance policies.

Did you buy car, home or landlords insurance before 3 February 2022?

If you purchased a Kogan policy prior to the 3 February 2022 that is underwritten by our previous underwriter Hollard Insurance, you can find more information on our Information page, you can find more information on our Information page.

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