Kogan Car Insurance Review | Cover, Features & Extras | Savvy

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Kogan takes a value-driven approach to car insurance, offering affordable options to customers across Australia. Read our review to learn more about its products!

Written by , updated on February 16th, 2024

Kogan is a prominent Australian retailer known for its reasonably priced electronics and household goods. It entered the insurance industry in 2017 as Kogan Insurance, offering customers a range of affordable insurance policies, and since 2022 has partnered with QBE to provide value-for-money car insurance.

In this review, we take a look at Kogan’s car insurance products. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by Kogan is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Kogan if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Kogan for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

What car insurance policies are available through Kogan?

Kogan provides the following types of car insurance:

Comprehensive Car Insurance

Third Party Property Damage Car Insurance

NSW CTP Green Slip Insurance

Comprehensive Car Insurance

Comprehensive car insurance is the most extensive type of cover on offer in Australia, though also generally the most expensive. Kogan’s Comprehensive Car Insurance has the following inclusions:

Coverage for accidental loss or damage to your car resulting from incidents including collision or impact, theft or attempted theft, fire or explosion, weather events (such as hail or flood), and malicious damage
Replacement damaged or stolen baby capsules and child seats that are inside your car
Up to $1,000 for personal items inside your car that are damaged in an incident or stolen along with your car
Up to $100 in travel expenses to get to your destination if your car is unsafe to drive
Up to $1,000 in emergency accommodation and transport costs if you are more than 100km from home and your car is unsafe to drive
Reasonable costs of towing your car to the nearest repairer or safe location, as well as reasonable storage costs at the agreed location
Hire car after a not-at-fault car accident
Hire car after theft or attempted theft for up to 14 days
Up to $500 for essential temporary repairs
Up to $1,000 to repair or replace your trailer
The cost of replacing or recoding your car keys, locks or barrels if your car keys are stolen (excess payable)
Automatic cover transfer to a replacement car for up to 14 days after disposing of your previous car
‘No excess’ windscreen repair (not replacement)
Legal liability cover up to $30 million

Third Party Property Damage Car Insurance

The most basic form of optional car insurance in Australia, third party property cover is designed to cover damage your vehicle causes to other people’s property, rather than damage to your own vehicle. Kogan’s policy offers the following inclusions:

Legal liability cover up to $30 million
Up to $5,000 for damage caused by an uninsured driver
Automatic transfer of your policy to a replacement car for up to 14 days from the time you sell or dispose of your previous car

You may also be able to add Fire and Theft cover to your Third Party Property Damage plan. This includes the following additional features:

Replacement baby capsules and child seats that are damaged by fire or stolen from inside your car
Reasonable towing and storage costs if your car is unsafe to drive
Hire car after theft or attempted theft for up to 14 days

NSW CTP Green Slip Insurance

Compulsory Third Party (CTP) insurance, known as a Green Slip in New South Wales, is a mandatory requirement for all drivers in Australia. It provides coverage for third-party compensation claims if you or anyone driving your car causes injury to or kills someone in an accident. NSW residents can take out and renew their Green Slip with Kogan, which will cover them for:

The cost of the third party’s treatment and care, which may be for life
The third party’s loss of income
Any damages claim the third party may be entitled to lodge
26 weeks of benefits from the date of the accident if they are at fault or mostly at fault

Are there any optional extras available through Kogan?

Yes – Kogan offers several optional extras on its Comprehensive Car Insurance policy:

Hire car after incidents other than theft, attempted theft or not-at-fault car accidents for up to 14 days
‘No excess’ windscreen replacement
Choice of repairer

What are some of the pros and cons of buying car insurance through Kogan?

Affordable policies: Kogan aims to provide affordable, value-for-money car insurance to Australian drivers.
Generous legal liability cover: legal liability cover is up to $30 million for all levels of cover, while many other insurers cap it at $20 million.
Choice of agreed or market value cover: when you take out your policy, you can choose to insure your car for its agreed value or market value.

No no-claim bonus: Kogan does not give customers the option to build up their no-claim bonus, instead focusing on offering lower-cost policies.
No items cover on TPFT policies: if you take out Fire and Theft cover, you will not be covered for loss or theft of personal items.

Common questions about Kogan car insurance

Does Kogan offer roadside assistance?

No – roadside assistance is not available on any policies issued after February 2022 under QBE, nor does Kogan offer it as a separate, standalone service.

How can I make a car insurance claim with Kogan?

Car insurance claims can be lodged 24/7 and are managed by QBE. You can make a claim by phone or online using QBE’s claim form. You will need to provide:

Your policy number
Details about what happened
Details of other people involved

Can I get any discounts on my Kogan car insurance?

Yes – Kogan regularly offers sign-up bonuses for its car insurance. As of July 2023, Kogan is offering $115 off new Comprehensive policies taken out online. In addition, active Kogan insurance policyholders receive $10 off a purchase of $100 or more at Kogan.com once a month.

What excesses may be applied to my Kogan car insurance claim?

The following excesses may apply when making a claim:

Basic excess: applies to all claims except for not-at-fault accidents, malicious damage/theft with the responsible person’s details provided, and the ‘no excess' windscreen repair option.
Age excess: applies to drivers under 25 years old causing/contributing to the incident.
Additional policy excess: applies based on the car/driver’s insurance history.
Additional driver excess: applies based on the driver’s details/insurance history.

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Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.