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 choose, the lower your premium will be.

Additional or fixed excesses may apply in certain situations, and these are detailed in the Product Disclosure Statement.