FAQ – Home 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
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.
We like to provide you with the flexibility to change your cover, therefore, if your change is agreed to, you can update your cover during the period of insurance. Please call 1300 034 888
as soon as reasonably possible as changes to your cover will be effective from the time you tell us of this change.
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.
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 such as the slope of the land your home is built on and how many bedrooms, bathrooms and garages there are
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 sum insured should not include land value.
You should also consider increased building costs to meet stringent and Local Council building requirements. If you are unsure of the replacement cost, a professional such as a builder or architect may be able to assist you. 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.
For an additional premium we offer cover for accidental damage as an optional benefit to Home Insurance. Your cover will depend on whether you’ve chosen insurance for your buildings, contents or both.. So, if you choose the Accidental Damage option, you have contents cover and you accidentally spill paint on your carpet or you have buildings cover and you lose control of a loaded wheelbarrow and it crashes into your garage door, you can be covered.
Read the Combined Financial Services Guide and Home Product Disclosure Statement for full details including limits, exclusions and conditions that apply.
Kogan Contents Insurance provides protection for your belongings for loss or damage caused by insured events like theft, fire and storm. It also includes standard features like temporary accommodation if your home is unliveable due to damage by an insured event. Legal liability cover is also included anywhere in the world, for example, if you have an accident while riding your bicycle and you injure someone and you are found liable to pay compensation.
Kogan Contents Insurance is flexible. You can add options for an additional premium, you can pay annually or by instalments, and choose your Basic Excess. Keep in mind, your contents sum insured should be the cost to replace all your contents at today’s prices so that you have adequate cover in the event of a total loss. This amount can add up quickly, so it can be helpful to use a Contents Calculator to estimate what it would cost to replace everything in your home.
Read the Contents Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.
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.
Certain contents items such as jewellery and watches, collections and artworks, rugs and antiques have standard policy limits.. If the limit is not enough to cover the repair or replacement of a particular item you will need to tell us and if we agree to increase the limit, these will be listed on your Certificate of Insurance. You will need to provide proof of ownership and value of the item at the time of a claim.
They can be covered under your contents cover against loss or damage by an insured event within the home. Mobility Scooters can also be covered outside of the home under the Portable Contents option for an additional premium.
Read the Contents Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.
Cover is provided for your personal belongings inside the home for insured events such as theft, fire and storm. If you have the Accidental Damage option and your mobile phone was accidentally damaged inside the home then this can also be covered. If your phone was stolen from the home, you would need to provide a Police report. In all instances, your Basic Excess and any other applicable excesses would apply.
You can use a Contents Calculator to help determine an estimated replacement cost for your contents.
Your contents sum insured should include the cost to replace items such as your carpet, blinds, curtains, personal items, furniture and household goods. Items of value which can be individually listed on your Certificate of Insurance such as jewellery or artworks should also be included in the overall contents sum insured. Estimating the cost can be difficult so being aware of the replacement cost of items through advertisements and magazines can be helpful. If you are unsure of the replacement cost, please consult an appropriate professional as the information we have provided is generic and may not be suitable for you.
There are policy limits on certain contents items so if they are not listed on your Certificate of Insurance, they may be subject to the limit as stated in our Contents Insurance Combined Financial Services Guide and Product Disclosure Statement.
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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