Ubicar
Ubicar helps Australian drivers compare and save on car insurance — guides on cover types, CTP, comprehensive policies, claims and safe driving.
Car Insurance, Explained Simply
Ubicar publishes plain-English guides to Australian car insurance: comprehensive, third party, CTP green slips, pay-per-kilometre cover, excesses, claims and no-claim bonuses.
Learn what insurers actually look at, how to compare policies properly, and how to cut your premium without cutting your cover.
How Ubicar Helps You Pay Less for Car Insurance
Most Australian drivers overpay for car insurance simply because they never compare. Ubicar was built to change that: we break down how insurers price your cover, show you which factors you control, and help you match the right policy to the way you actually drive.
If you drive safely and infrequently, explore cover for safe drivers and our guide to telematics insurance, where your driving data works in your favour. Younger drivers should start with Ubicar for under 25s, and EV owners can jump straight to Tesla insurance. Rideshare drivers have dedicated guides for rideshare insurance covering Uber and Ola.
Understand before you buy
Insurance documents are full of jargon that costs you money if you skim it. Our plain-English explainers — starting with what an excess actually is — walk through the terms that decide what you pay at claim time.
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Frequently asked questions
How can I get cheaper car insurance in Australia?
Compare quotes from multiple insurers, choose a higher excess, restrict young drivers, park securely and review your cover annually. Pay-per-kilometre policies can save low-km drivers hundreds of dollars a year.
What is the difference between comprehensive and third party insurance?
Comprehensive covers damage to your car and others' property, plus theft and fire. Third party property covers only damage you cause to others. CTP (green slip) is compulsory injury cover and separate from both.
Does car insurance cover other drivers of my car?
Most policies cover listed and sometimes unlisted drivers, but age and inexperience excesses may apply. Always check your Product Disclosure Statement and add regular drivers to your policy.
What affects my car insurance premium?
Insurers weigh your age, driving history, address, car model, annual kilometres, usage type, excess choice and where the car is parked overnight.
What is the cheapest type of car insurance in Australia?
Third party property damage is usually the cheapest cover, but it only pays for damage you cause to other people's vehicles. Comprehensive cover costs more but protects your own car too — compare both against your car's value before deciding.
How can I lower my car insurance premium?
Compare quotes at every renewal, increase your excess if you can afford it, restrict drivers under 25, park securely, and consider telematics or low-kilometre policies if you drive less than average.
Does car insurance cover rideshare driving in Australia?
Standard comprehensive policies usually exclude rideshare work. If you drive for Uber, Ola or DiDi you need a policy that specifically includes rideshare cover — see our rideshare insurance guide for details.