Comprehensive Car Insurance
Kogan Comprehensive Car Insurance is our highest level of protection. It covers your vehicle for damage caused in an accident, weather events, fire, and theft, plus damage your car causes to other people’s vehicles and property.
- Damage to your car caused by collision, attempted theft, and fire.
- Damage your car causes to someone else’s vehicle or property
- Insure your brand new car with us, and if it’s written off within the first three years and has driven less than 60,000 km, we’ll replace it with a new car
- Car towing and storage costs
- Replace damaged or stolen baby capsules and child seats that are inside your car.
- Replacing or recoding your car keys, locks, or barrel if your car keys are stolen
- Emergency accommodation and transport costs if you’re more than 100km from home
Third-Party Property Damage
Damages to Third-Party Property Car Insurance covers the expense of damage to another vehicle or property caused by the usage of your vehicle.
What’s Included
Legal liability arising from damage to another person’s vehicle or property caused by your vehicle.
Minimal coverage if an uninsured motorist causes accidental damage to your vehicle.
This is a summary of the Kogan Third-Party Property Damage Automobile Insurance policy. Read the Kogan Third Party Property Damage Car Insurance Combination Financial Services Guide and Product Disclosure Statement for more details, including applicable limits, exclusions, and terms and restrictions.
Remember!
The Third Party Property Damage Vehicle Insurance is not the same as a green slip, which is the legally required Third Party (CTP) insurance. Please remember to obtain CTP insurance separately.
The Kogan Third Party Property Automobile Damage Insurance does not cover damage to your own vehicle. Compare auto insurance policies to see which one best fits your needs.
Optional Coverage
Optional Coverage With Kogan’s Third-Party Property Damage Car Insurance, you can enhance your protection on the road by including these extra benefits.
Add our fire and theft option to your Kogan Third-Party Property Damage Car Insurance policy for increased protection on the road.
Benefits
- It covers up to $10,000 in losses or damages due to fire, theft, or attempted theft.
- If your vehicle is stolen or damaged during an attempted theft, we will reimburse the fair daily cost of a replacement vehicle for up to 14 days.
- Pay the fair cost of hauling your vehicle to the closest repair facility or a safe area, and we will pay appropriate storage charges at the agreed location.
CTP Green Slip Insurance (NSW Only)
For great value CTP (Green Slip) Insurance with Good Driver Discounts for over the 30s, get a CTP quote now for cover you can count on.
Get your CTP in two simple steps.
Kogan CTP Insurance is great value for money, and getting a quote couldn’t be easier.
You need to:
1. enter your details and information about the car you’re registering; and
2. answer a few quick questions, and we’ll help finalize your quote and cover.
CTP explained (also known as Green Slips in NSW)
Compulsory third-party (CTP) insurance (also referred to as a Green Slip in New South Wales) is mandatory. CTP insurance covers the cost of third-party compensation claims if you, or anyone driving your car, injures someone in an accident.
CTP insurance provides cover to third parties, such as other drivers, passengers, motorcyclists, cyclists, and pedestrians, who could claim against you in the event of an accident.
How does CTP insurance work?
Buying or owning a new car? You need to have CTP insurance in place before you can register your car in New South Wales.
Then, if you, or anyone driving your car, causes an accident where someone else is injured, your CTP will cover their compensation claim. This includes cover for other drivers, passengers, pedestrians, motorcyclists, and cyclists who are injured in the accident.
CTP insurance doesn’t cover damage to your car or anyone else’s vehicle or property – you should consider comprehensive car insurance.
Comparison of Comprehensive and Third Party
| Benefit | Comprehensive | Third-Party Property Damage |
|---|---|---|
| Cooling-off period | 21 days | 21 days |
| Emergency claims | 24/7 | 24/7 |
| Caravan and trailer cover | $1,000 | $0 |
| Choice of agreed value | Yes | No |
| Choice of excess | Yes | Yes |
| Emergency accommodation and transport costs | Yes – up to $1,000 | $0 |
| New for old replacement | Yes – If your car is written off in the first 3 years and has not traveled more than 60,000km | No |
| No extra cost for monthly payments | Yes | No |
| Personal property cover | $1,000 | $0 |
| Replacement of keys and recoding of locks | Yes | No |
| Essential temporary repairs | Yes – up to $500 | $0 |
| Hire car following theft | Yes – reasonable costs, up to 14 days | Optional – max 14 days |
| Cover for towing costs | Reasonable cost | Optional |
| Uninsured motorist benefit | $5,000 | Optional |
| Choice of repairer | Optional | Optional |
| Excess-free windscreen cover | Optional | Optional |
| Extra hire car cover | Optional – reasonable costs, up to 14 days | Optional – reasonable costs, up to 14 days |
Factors that influence the cost of Kogan car insurance:
- Policy type and optional extras selected
- Claims history of the drivers who will operate the vehicle
- Age and driving experience of the drivers
- Age, make, and model of the vehicle, and any accessories or modifications
- Postcode where the car is kept and whether or not it will be garaged overnight
- Vehicle usage
- Agreed value of the car
- Excess chosen by the policyholder.
There are several ways to save money on your Kogan policy. Consider the following tips:
- Buy online: Kogan offers up to 12% off your premium if you purchase your policy online. Additionally, Kogan may provide a $100 Kogan.com credit for signing up.
- Assess your level of coverage: Determine the amount of coverage you need. If the comprehensive cover is unnecessary, you could save money by selecting a more basic level offering additional benefits and features.
- Choose extras carefully: Only select the extras that you require. For instance, your credit card may provide complimentary roadside assistance, which means that you can avoid paying for this additional feature on your policy.
Optional Benefits
Kogan Comprehensive Car Insurance offers optional benefits that can be added to customize your policy. Here are some of the available options:
- Hire Car – Extra: If you rely on your car to get to work or go about your day, being left without a vehicle can be inconvenient. Adding Hire Car – Extra to your Kogan Comprehensive Car Insurance means you can avoid being stranded if your car is damaged. This option covers the reasonable daily cost of a suitable hire car for up to 14 days while your car is being fixed.
- ‘No Excess’ Windscreen: Windscreen repairs can be costly, even for small chips. By adding this option, you won’t need to pay an excess if your claim is only for damage to your car’s windscreen, sunroof, or window glass that requires replacement rather than repair. This benefit includes no excess for the first claim of each insurance period and access to professional windscreen repairs.
- Choice of Repairer: Kogan will usually use a QBE Accredited Smash Repairer or another licensed repairer to fix your car under the policy. However, you can select which licensed repairer you prefer with the Choice of Repairer option. If you choose to use this option, you will need to obtain a quote from your chosen repairer, allow Kogan to assess the quote and your car, and permit them to get another quote if necessary.
Note that the above is a summary of the available optional benefits. Refer to the Kogan Comprehensive Car Insurance Combined Financial Services Guide and Product Disclosure Statement for full details, including limits, exclusions, and conditions that apply.