FAQ – Contents Insurance
Call 1300 034 888 to update your cover, if your change is agreed to, it will be reflected on your Certificate of Insurance. Call as soon as reasonably possible, as changes to your policy can impact your premium, excesses, or whether your insurance can continue. Changes can’t be backdated, so they will be effective from the time you call and they are agreed to, or you can nominate a date in advance (provided the changed is agreed).
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.
You can pay annually or in instalments by direct debit from a credit card or bank account whereby we’ll set up an automatic payment schedule for you.
If these options don’t suit you also have the option to pay your premium via BPay, Post Bill Pay, Online, Phone and Paypal.
You can reduce your home and contents premium by choosing a higher excess. Remember though, that while your premium will be cheaper, you may have to pay a higher excess if you need to make a claim.
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
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.
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.
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.
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.
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.
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.
Privacy policies for QBE and Kogan Insurance comply with relevant Australian Privacy Law and details how your personal information is treated. This information is also available in our Product Disclosure Statement.
No, we do not offer cover notes for any of our insurance policies.
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.
If you have divorced, or separated from a partner listed on your home 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.
When you are a tenant, you can take out Contents Insurance for your possessions while you are renting someone else’s property.
Kogan Contents Insurance can protect your belongings against things like theft, fire, earthquakes, lightning, storms, vandalism, sudden bursting of water pipes, and more. It also comes with a 24/7 claims service that’s based in Australia and flexible payment options.
Read the Contents Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.
Heritage listing provides formal recognition by your local council or the State Government that a place has heritage significance and that the community wants to keep it for future generations.
We cannot normally insure your buildings if it is part of a Strata Title, Company Title or Community Strata Title scheme. However, there may be some instances where we can offer buildings insurance under Kogan Home Insurance for properties in WA only. If you are unsure, please call 1300 034 888.
If you are a strata owner-occupier, Kogan Contents Insurance can provide cover for your contents, and fixtures and fittings that the strata body corporate is not required by law to insure.
Read the Contents Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.
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.
If you’ve lost your Certificate of Insurance or Product Disclosure Statement, simply call 1300 034 888, and your documents will be emailed to you. You can also download the Product Disclosure Statement, Additional Information Guide and Target Market Determination directly from our website.
If you have moved, need to increase your sum insured, or advise us of any other changes to your details, then please call on 1300 034 888. There are no administration fees to make these changes.
Please keep in mind that your home or contents insurance premium may go up or down, and in some cases we may be unable to continue to insure you. This will depend on the change you need to make.
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.
Each year at your insurance renewal, the amount you are insured for is automatically adjusted to help the cover keep pace with inflation. In addition to this adjustment, you may also need to consider (amongst other things) the value of any new contents or recently completed improvements to your home. It’s important you review your buildings and contents sum insured regularly to ensure they are adequate in the event of a total loss.
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.
If your payment date happens to fall on a weekend or public holiday, the payment will be taken out on the next business day.
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Product Disclosure Statements
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.