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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 [...]
No, we do not need to know the exact measurements of your home. Some examples of the things we need to know about your home are: The address and age of the building The construction materials your external walls and roof are made from (for example, brick veneer, double brick, timber, cement tiles) Property details [...]
When considering the sum insured for your buildings, this amount should cover the full cost to rebuild your home 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 [...]
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.
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 [...]
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.
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.
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’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 [...]
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 [...]