Ld Go Finder

Car Insurance

Based on how you drive

How it works

We take the guesswork out of insurance and use technology to provide you with the lowest price

Quick and easy application process

In less than 2 minutes, find out how much you can save on your car insurance based on how you drive.

Get your policy
instantly

Painless purchase. Get insured the moment you need it. No need to wait for paperwork.

The better you drive, the more you save

See how you drive with our app and learn how your driving can be improved to reduce your insurance premium.

We believe Insurance should be fair

If you drive  . you should pay less for your car insurance

“UbiCar helps make safer drivers and reduce insurance costs”

“New driver tracking app can save you big on car insurance”

“Pay less for car insurance if you’re a good driver”

“The disrupter UBI is offering insurance base on how you drive.”

“UbiCar is a Free App that Rewards Drivers for Safe Driving”

What UbiCar customers say

Savings and benefits users now enjoy since switching to UbiCar*

“My massive monthly savings
are fantastic for my family”

“UbiCar has motivated me to be a better,
safer and more considerate driver.”

“UbiCar doesn’t stereotype like other
insurance companies.“

*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.

Who can save with UbiCar

Fairer car Insurance for safer drivers

Safer drivers are not fairly rewarded by existing insurers

THE DISCONNECT

Traditional insurers require long-term histories to identify safe drivers rather than identifying them based on their recent driving behaviour. Safer drivers are inadequately rewarded because insurers effectively use their rates to subsidise bad drivers insurance policies.

NO CLAIMS BONUSES

No-claims rewards take long periods of time to come into effect and are modest at first. In the meantime safe drivers continue to pay excessive insurance rates. No-claims protection options typically also come at an additional cost.

PAY AS YOU DRIVE

Pay as you drive schemes are restrictive by nature. These policies generally require a greater deal of management and can incur additional excesses for claims made when you’ve exceeded your kilometre limit.

Fairer car insurance for young drivers

Car insurance for under 25s is too expensive

STATISTICAL RISK

One in four people who die on Aussie roads is under the age of 25. It’s little wonder young drivers are traditionally classified as high-risk.

UNAFFORDABLE RATES

This means that all young drivers pay a lot more for their car insurance. Some insurers refuse to insure under 25s altogether!

UNFAIR APPLICATION

This approach discriminates against safe young drivers. Why should you pay excessive rates due to the mistakes of others?

We incentivise safe driving with fairer car insurance for young drivers.

Insuring your young driver can be a nightmare

EXPENSIVE RATES

Insurers classify all drivers under 25 as high-risk. As a result young drivers are either quoted huge rates or refused insurance cover altogether.

SUBOPTIMAL ALTERNATIVES

Including your child on your own car insurance policy generally leads to higher premiums and substantially higher excesses in the case of a young driver claim.

UNFAIR APPLICATION

Responsible young drivers are not rewarded for safer driving. Instead they are forced to pay expensive rates because their demographic looks risky on paper.

F.A.Q.

Most frequent questions and answers

UbiCar is here to disrupt the Australian insurance industry by giving drivers a fairer premium based on HOW they drive, not simply based on their demographics. The UbiCar app is free to use, and tracks your driving using telematics, so we can give you a driver score. UbiCar safe drivers can make substantial savings on their car insurance premiums based on their driver score. We are 100% Australian Company, and proud of it!

Usage based insurance is personalised car insurance based on your driving style and how your car is driven. UbiCar Insurance uses telematics to measure your driving and reward safe driving with lower premiums.

If you drive well, you are less likely have an accident, so it makes sense that you should pay less for your insurance – that’s fair and that’s what UbiCar aims to deliver. We’re making sure that premiums for car insurance are fair one policy at a time.

The UbiCar app tracks your driving (think braking, cornering, phone distraction, acceleration and speeding) and uses that information to give you a driver score and calculate your premium. The better driver you are, the better your premium will be. The UbiCar App is free in the app stores.

Your driving score reflects how safe a driver you are, ranging from 40 to 100. The higher the score, the safer the driver! The primary elements of driving behaviour that go into these calculations are your speed, harsh braking and acceleration, cornering, and mobile phone distraction. Your driving behaviour is monitored across a variety of trips to give you an average score. You can monitor your scores through your free UbiCar App.

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