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ABOUT UBICAR
We’re different because, with us, you don’t just pay based on things that are difficult or impossible to change, like your age, post code, or claims history. With UbiCar, your monthly price results from your choices, like how much and how well you drive.
How is UbiCar different from other Insurers?
If you drive well, you are less likely to get in an accident. Therefore, you should pay less. That’s what our company is built on. We’re restoring fairness to the insurance industry one policy at a time.
What is UbiCar?
UbiCar is a new behavior-based insurance company that rewards you for smart driving and mindful living. You download the app, and then pay each month based on how much and how well you drive. The smarter you drive, the more you save. And, since you’re getting rewarded for driving better, your community is benefiting as well.
Why can I trust UbiCar?
- We have a strong financial foundation.
- We protect your information: we use 256-bit encryption on all customer data.
- We explain things well, so you know exactly what you’re paying for.
What states is UbiCar in?
All, except Tasmania and NT. Sorry…
HOW UBICAR WORKS
The UbiCar App tracks your driving (think braking, cornering, phone distraction, acceleration and speeding) and uses that information to calculate your premium. If you’re a good driver, you’ll be sent a quote—the better driver you are, the better your premium will be.
The UbiCar App also makes accessing and using your car insurance easy. If you receive a quote, you can customize and purchase your policy right in the App. You can access your insurance documents, view your claims and pair your UbiCar Tag when you receive it.
With UbiCar Insurance you pay your premiums by the month and we use the data we receive from the UbiCar App and UbiCar Tag to adjust your monthly premium based on how you drive. If driving performance improves over time, you may pay less! If it gets worse, you may need to pay more. Don’t worry, we will send you a message each month to tell you what your instalment premium will be.
What is usage based insurance?
Usage based insurance is personalised car insurance based on your driving style. UbiCar Insurance uses telematics to measure your driving and reward safe driving with lower premiums.
POLICY & COVERAGE
Do you cover Learner drivers?
Yes. You do not even have to list a learner driver as long as another driver listed on your policy is the supervising driver in your car.
Tip: If a Learner driver is driving your car, get them to download the UbiCar App to help them become better drivers! See who gets the best score!
Does UbiCar Insurance use NCB or a Rating scheme?
No. We don’t have a rating scheme, no claim discount or no claim bonus at all.
But that’s not because we don’t believe in rewarding good drivers. Your premium will vary depending on how you drive and use your car, so you can be rewarded with a lower premium for being a safe driver – no matter how long you have been insured for!
Can I have my policy documents sent via post?
Sorry – we don’t offer that option. UbiCar is an online insurance company, which means you can easily access your documents online at any time . Simply go to your UbiCar App, or log in to your policy online to choose the document you want to receive!
Does UbiCar Insurance cover modifications and accessories?
We automatically cover modifications or accessories that you have fitted to your car. We have a few exceptions, though we will specify these when you’re getting a quote and on your Certificate of Insurance.
Note that the value of any modifications or accessories needs to be included in the Agreed value, which is the most we will pay for your car if its damaged.
What if someone else drives the car?
“You should nominate any regular drivers of your car on your Policy.
An additional excess of $1,000 will apply if an unknown driver is using your car at the time of an incident for which you are claiming.
CHANGES & CANCELLATIONS
How can I update/change my policy details?
You can make these changes at any time by logging into your policy to update the following:
- Adding or removing drivers
- Change of address
- Change of vehicle
- Change of use
- Change in Finance
- Add an Option
For all other changes, call 1300 824 227.
How can I cancel my policy?
You can cancel your policy by calling 1300 824 227. One of our consultants will be happy to help you. A cancellation fee may apply.
COMPLAINTS
How do I lodge a complaint?
“We want you to feel like you’re being looked after every time you deal with us. But if you don’t feel we’ve handled something properly, send us an email at insurance@ubicar.com.au, or if it’s an App issue, at hello@ubicar.com.au. We’ll sort it out for you.
If you’re an insurance customer and you’re still not happy, then you can follow our Complaints process – see Important Information section in your Product Disclosure Statement for details.
REWARDS
It’s Fast
Earn UbiCoins for every scored trip that you complete. The higher the score the more you can earn.
It’s Fun!
Redeem your UbiCoins in the UbiStore for savings on daily deals, local offers, gift cards, travel, and brand-name merchandise.
What UbiCar customers say
Savings and benefits users now enjoy since switching to UbiCar*
“My massive monthly savings
are fantastic for my family”
Luana – New South Wales
“UbiCar has motivated me to be a better,
safer and more considerate driver.”
Jillian – South Australia
“UbiCar doesn’t stereotype like other
insurance companies.“
Luke – New South Wales
*Savings are factual and based on comparison between the customer’s current Comprehensive Car Insurance policy with UbiCar as of December 2018 and their policy with their previous insurer. Premiums and savings may differ depending on individual circumstance.
How it works:
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UbiCar Customer Care
1 300 UBICAR (1 300 824 227)
Mon – Fri, 9:00am – 5:00pm, AEST
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1 300 UBICAR (1 300 824 227)
UbiCar After Hours Claims
0280311340
UbiCar 24hr Roadside Assistance
1 300 302 500
Disclaimer
UbiCar ‘How you Drive’ Comprehensive Car Insurance and UbiCar ‘Pay per km’ Comprehensive Car Insurance are underwritten by RAC Insurance Pty Limited (ABN 59 094 685 882; AFSL 231222) (RACI). UbiCar Insurance Pty Limited (ACN 616 438 503; ABN 83 601 223 858; AFSL 469073) (UbiCar) arranges and manages these insurance products on behalf of RACI.
UbiCar ‘Pay per km for Hyundai’ Comprehensive Car Insurance is underwritten by RACI. UbiCar arranges and manages this insurance product on behalf of RACI. In arranging this insurance Hyundai Motor Company Australia Pty Limited (ACN 58 008 995 588) of 394 Lane Cove Rd, Macquarie Park NSW, 2113 (Hyundai) act for UbiCar, not you. Hyundai and its representatives, as well as your Hyundai dealer have been authorised by UbiCar as its general insurance distributor to deal in this product. They are not authorised to provide any advice on this insurance. If you purchase this insurance Hyundai receives a commission from UbiCar.
*Terms, conditions, limits and exclusions apply.
Before making a decision, please consider the relevant Combined Product Disclosure Statement and Financial Services Guide/policy document (PDS/FSG), any Supplementary PDS/FSG, Premium and Excess Guide and any other updated disclosure documents available from this website.
Any advice on this website is general in nature only and does not take into account your personal situation, financial needs or objectives.
UbiCar Registered Office, Level 14, 77 King Street, Sydney NSW, 2000.
UbiCar acknowledges the Creative Commons Attribution 4.0 from the following: Transport for NSW, Queensland Government, Public Transport Victoria, Department of Planning, Transport and Infrastructure, Government of South Australia and Transport Perth.
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Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.
Privacy Policy | Terms and Conditions
**Real customers’ faces haven’t been used.
Copyright 2019 UbiCar Insurance Pty Ltd (ABN 83 601 223 858)
Top
Car Insurance: Frequently Asked Questions
What is the difference between comprehensive and third party car insurance?
Comprehensive car insurance covers damage to your own vehicle as well as your liability for damage to other people's cars and property. Third party property insurance only covers the damage you cause to others — repairs to your own car come out of your pocket. Third party fire and theft sits in between, adding cover if your car is stolen or catches fire.
Why did my car insurance premium go up at renewal?
Premiums rise for reasons both personal and market-wide: a claim or traffic offence, moving house, changing how the car is parked, inflation in repair costs (parts, paint and labour have all risen sharply), more severe weather events, and reinsurance costs. If your renewal jumped, compare at least three like-for-like quotes before accepting it — loyalty rarely pays.
What is an excess, and should I choose a higher one?
The excess is the amount you pay out of pocket each time you claim. Choosing a higher voluntary excess lowers your premium, but only pick an amount you could comfortably pay tomorrow. A $600–$800 excess is a common balance; going to $1,500+ saves relatively little extra for most drivers.
Does car insurance cover other people driving my car?
Most comprehensive policies cover occasional drivers, but unlisted regular drivers — especially under-25s — can void cover or attract an additional unlisted-driver excess. Check your policy's driver provisions and list anyone who drives the car weekly or more.
What is CTP insurance and is it included in my car insurance?
CTP (Compulsory Third Party, or 'green slip' in NSW) covers injuries you cause to people — never damage to vehicles or property. It's bundled with registration in most states (NSW and Queensland sell it separately). Comprehensive and third party property policies are separate products that cover vehicles and property, not injuries.
How can I lower my car insurance premium?
Compare quotes annually, increase your excess sensibly, remove extras you don't use, ask about low-kilometre or pay-as-you-drive policies if you drive little, garage the car overnight if possible, and keep a clean claims history — no-claim discounts compound into the largest single saving most drivers can earn.