ₓ$100 Kogan.com Credit offer (“Offer”): Valid for all Kogan Car, Home & Landlord Insurance policies (“Relevant Policies”), excluding Third Party Property Insurance policyholders. The Offer is only valid for new Relevant Policies (not renewal or reinstatement policies). This is a limited time offer and will expire 11.59pm AEST 30 June 2025. See full T&Cs here.
^As a Kogan Insurance customer, get $10 Kogan.com Credit, once a month on a Kogan.com purchase of $100 or more. See full T&Cs here.
1Online Discount:
Home – when you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
Landlord – When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
2Combined Discount – discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to any flood component of the premium (where covered) or to the optional covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.
3No Claims Bonus – when you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
Home: The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).
Landlord: The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected).
4Minimum Premiums – Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.
5Option to change your excess:
Home: Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers’ compensation (if available and selected). Minimum premiums may apply.
Landlord: Not available with respect to any additional compulsory excess, or to any imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to Landlord’s workers compensation (if available and selected) and the Theft by Tenant part of the optional cover Rent Default and Theft by Tenant (if selected). Minimum premiums may apply.
6Instalment premiums – If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
772 Hour exclusion period – We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
8Earthquake excess – An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.
