Kogan Home Insurance

Contents Insurance

Why Choose Kogan Contents Insurance?

• FREE $100 Kogan.com Credit when you buy a home insurance policy⁼
• Up to 10% off your first year’s premium when you buy a new comprehensive car insurance policy online^x
• Cover for contents intended to be kept outside, like your barbecue, outdoor furniture, and children’s play equipment up to $2,000 in total.
• Pay by the month at no extra cost
• Claim online or call 1300 034 888 for claims service 24 hours, 7 days a week

What’s Covered?

• Cover for storm damage
  Covers loss or damage caused by storm, cyclone7, or rainwater but this does not include run-off.
• Cover for flood and/or run-off
  Covers loss or damage caused by flood7, run-off, flood water7 combined with run-off and/or rainwater.
• Cover when you’re moving
  Kogan Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
• Alternative accommodation for you and your pets
  If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, [Allianz/Partner Product Name] will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months
• Debris removal
  In addition to your contents sum insured, [Allianz/Partner Product Name] will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event.
• Emergency contents storage
  If your home buildings are damaged by an insured event and is unable to be lived in, [Allianz/Partner Product Name] will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building or until you find alternative accommodation, up to a maximum of 12 months and the remaining balance of your contents sum insured after payment of claim.
• Guest, visitor and domestic helper property
  Kogan Insurance will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured) if it is lost or damaged as a result of an insured event that you are claiming for.
• Food or medicine spoilage
  If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Kogan Insurance will pay for you to replace it. If you claim for this benefit, an excess will apply.  If the spoilage is due to a natural disaster (declared by Allianz, the government, or the Insurance Council of Australia) the maximum Allianz will pay is $500. No excess will apply.
• 24/7 claims assistance
  When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims team to commence the claims process over the phone.
• Cover for your contents intended to be kept outside
  Kogan Insurance will cover contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.

Optional Extras:

Apply to add any of these optional covers for an additional premium and greater cover.

• Optional cover – Accidental damage
  The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
• Optional cover – Portable contents
  You can choose optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home
• Optional cover – Motor burnout
  The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover
• Optional cover – Domestic workers’ compensation cover
  Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address.  Only available in ACT, WA and TAS.

Read the Kogan Contents Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.