Am I covered for windscreen replacement even if I don’t have the optional ‘No Excess Windscreen Cover option?
If your windscreen is damaged we will pay the cost of replacing or repairing the front windscreen. An excess will be applicable.
Are there any optional benefits I can add to my car insurance?
If you select Kogan Comprehensive Car Insurance, you can add the following optional benefits (note that each of these optional benefits attract an additional premium): Hire Car - Extra 'No Excess' Windscreen Choice of Repairer. You can choose the optional benefits that you would like to add to your Kogan Comprehensive Car Insurance policy when [...]
What is ‘market value’?
The reasonable market-related value that we determine the market would pay for your car immediately before its loss or damage. We take into account the age, make, model, conditions and kilometres travelled by your car and may consider industry publications to help determine the amount. The amount does not include any registration costs, stamp duty [...]
What is an ‘agreed value’?
The agreed value of your car is the amount we agree to insure your car for. The agreed value is valid for the term of your car insurance policy. The agreed value for your car is shown on your current Certificate of Insurance. This amount may change with each renewal.
Do I have to pay an excess if the accident/incident is not my fault?
You may not need to pay an excess if: you are not at fault and you can provide us with the details of the responsible party such as the name and address of the other driver/owner of the other car and registration number your claim is only under the standard feature 'No excess' windscreen repair [...]
Are there any additional excesses for car insurance?
Yes, there are. Your basic excess will apply as the first payable amount (excess) at the time of a claim. Depending on the circumstances of the incident and who the driver was at the time, the following excesses may also be applicable: Age excess Inexperienced driver excess Learner driver excess Undeclared young driver excess If [...]
Can I change my car insurance excess?
You have the flexibility to increase or decrease your excess at any time during your car insurance policy.
How does the excess amount affect the premium I pay?
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 [...]
When will I need to pay an excess?
In the event of a claim and you are required to pay an excess(es), then we will ask you to pay: your excess(es) to the repairer when you pick up your car; or directly to us before you pick up your car or we settle a claim on our behalf; or we may deduct your [...]
What is a car insurance excess?
An excess is the amount you need to pay if you make a claim on your Kogan Car Insurance policy. Many insurance policies have either a voluntary excess or a standard excess. A standard excess means it applies to every claim. A voluntary excess can be chosen by customers and it may help to bring [...]