Comprehensive Car Insurance
Based on how you drive
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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.
Get A QuoteWe 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”
Why Choose Us?
These are some of our standard features and benefits for all UbiCar policies.
| New Car Replacement | |
| Hire Car After Fire, Theft Or Attempted Theft | |
| Emergency Accommodation Expenses | |
| Choice Of Repairer | |
| Monthly Payment At No Extra Cost | |
| Lifetime Guarantee On Authorised Repairs | |
| Agreed Value At No Extra Cost | |
| Cover For Personal Belongings | |
| Replacing Your Lost Or Stolen Keys |
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Optional Extras
We can also tailor your policy to suit your every need.
Roadside
Assistance
UbiCar provides 24/7 on road support and assistance for our Australian drivers as an optional extra – so we can give you a helping hand rain, hail or shine – all year round, Australia wide
Windscreen and
Window Glass Cover
In the case you have accidental damage to your windscreen we will cover a repair or replacement of the windscreen without the need for you to pay for excess.
Hire Car
after Accident
If an accident occurs, UbiCar will be able to provide you with a rental car for the period that your car is being repaired.
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.
Who can save with UbiCar
UbiCar For Under 25sFairer 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?
UbiCar for Safe Drivers
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.
F.A.Q.
Most frequent questions and answers
Who is UbiCar?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!
What is usage based insurance?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.
How is UbiCar different from other Insurers?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.
How does it work?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.
How is my driving score calculated?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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