Comprehensive Car Insurance.
Drive less, pay less.Pay Per Kilometre Policy
UbiCar is currently not offering new policies. Please contact us at hello@ubicar.com.au or 1300 824 227 for more information.
If you drive less than 15 000 kms a year, Pay per kilometre insurance could save you hundreds.
What ourcustomers say.
Savings and benefits users now enjoy since switching to UbiCar**
Luana, NSW
Saved $850
My massive monthly savings are fantastic for my family.
Jillian, SA
Saved $850
UbiCar has motivated me to be a better, safer and more considerate driver.
Luke, NSW
Saved $850
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.
How it works.
At the end of the month, UbiCar notifies you with the kilometres you have driven and adds that to the monthly fee. The less you drive, the less you pay. What’s fairer than that?
No need to worry if you go on a road trip as we cap the daily costs to 100km per day over a billing period.
UbiCar uses technology to make insurance fairer. When you sign up for Pay per kilometre insurance, we will send you an UbiCar Device. This plugs directly into your car and connects to your mobile phone via our App. This allows us to measure the number of kilometres you drive. It’s as simple as that!
Pay per kilometre is Comprehensive Car Insurance, so you get great coverage with this policy*.
F.A.Q.Most frequently asked questions and answers.
How is my premium calculatedYour premium will vary monthly depending on how many kilometres you drive. We consider other factors as well when calculating your base premium and rate per km. This includes things such as your car’s agreed value, the make and model of your car and where you keep your car overnight. The base rate covers your car whilst you are not driving.
Can you guarantee the lowest price?UbiCar is not for everyone. You may find you can get cheaper insurance elsewhere, and we’d encourage you to find the best price together with features and benefits for your car insurance.
How does Pay per kilometre insurance work?You simply pay insurance for the number of kilometres you drive each month plus a low base premium for when your car is not being used.
At the end of the month we multiply the kilometres driven for that month by the rate per km. We add that to your monthly base premium and that’s the total you pay. No need to worry if you’re going on a trip, we cap the daily km charge at 100km so that you can rest assured your costs stay affordable.
Who might this policy be best for?This policy is for low kilometre drivers, who don’t use their car everyday.
You may be a commuter, uni student, empty nester, retiree, weekend driver or a remote worker. If you drive less than 15,000km a year, Pay per km insurance may be right for you.
*Any advice provided by UbiCar Insurance is general advice only and you should consider if it suits your needs.
In order to measure your kilometres, you need to connect the UbiCar Device to your car and
sync it to the UbiCar App. The UbiCar Device transmits the kilometres travelled to your
phone via Bluetooth. The UbCar App collects this information and enables us to bill you each
month. At times we may also ask for an odometer reading to measure kilometres travelled.
We believe in fair priced insurance for everyone and are using technology to deliver lower cost car insurance.
Who is UbiCar?UbiCar Insurance was founded to use technology to take the guess work out of insurance, and provide Australian drivers with substantial savings on their insurance. UbiCar is backed by RAC Insurance who has been the trusted insurer of West Australians for over 70 years. Company details are: UbiCar Insurance Pty Ltd (ABN 83 601 223 858; AFSL 469073) policies are underwritten by RAC Insurance Pty Limited (ABN 59 094 685 882; AFSL 231222).
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 call us on 1300 UBICAR (1300 824 227) and we’ll sort it out for you. However if you’re still not happy, you can follow our Complaints process – see Important Information section in your Product Disclosure Statement for details.
What happens if I drive more kilometres than I estimated?There is no need to worry if you do more kilometres than you estimated when you purchased your policy. Regardless of how many kilometres your drive, your car is covered under the policy. You will simply be charged the rate per kilometre we quoted when you purchased the policy. Kilometres are also capped at 100km per day over a billing period.
How much do I get charged after my first month of driving?At the end of the first month, we charge you the Base Premium, the rate per kilometre multiplied by one-twelfth of kilometres you estimated when you bought the policy (Estimated Usage premium) and one-twelfth of the Tech Cost (if you opted to pay in instalments).
Can I purchase a Pay per kilometre policy if I drive for a rideshare platform like Uber?No. We don’t not offer Pay per kilometre to rideshare drivers. We do however offer How you drive coverage if you are a rideshare driver.
Is Pay per kilometre comprehensive insurance cover?Yes, Pay per kilometre gives you comprehensive insurance cover. The details of the coverage can be found in the Product Disclosure Statement (PDS).
Can I buy a Greenslip from UbiCar?No, we do not sell Green-slips at this stage.
Can I purchase an annual policy?No. Because we charge you on a pay per kilometre basis, we only offer monthly payment options. This also means your premium may vary each month.
Do I have to download and use the UbiCar App?Yes. Using the UbiCar App and UbiCar Device is how we measure the kilometres you drive each month.
If I rent my car to someone that drives for a platform like Uber, is it covered?No. We do not offer coverage if you enter into a transaction with a third party to drive your car for commercial gain.
Am I covered if I drive for a platform like Deliveroo or Uber Eats?No. Driving for a platform like Deliveroo or Uber Eats is considered a courier service and is not covered by our policy.
What happens when someone else drives my car?If you have a nominated driver (a person named on the Certificate of Insurance) on your policy, they will need to download and sync the UbiCar App. If a person other than a nominated driver drives your car, they do not need to download the App. When you next drive your car, the kilometres travelled by the other person will be recorded.
What is the Tech Fee?UbiCar charges a Tech Cost each time you buy or renew a Policy. This is not part of the premium and relates to administration and other services provided by UbiCar in connection with the UbiCar Device and UbiCar App. If you choose to pay the Tech Cost upfront at time of purchase or renewal the total charge is $80 plus GST (total including GST $88). If not, it is $95 excluding GST (total including GST $104.50) which will be charged in each of the monthly instalments.
Don’t see your question? Please visit our help section.
Why choose us?All our policies offer these as standard so that you can keep your mind on the road
New Car Replacement If you are the first registered owner of the vehicle and it is less than 2 years old, we will replace it with a new car and pay the initial on road and registration costs. Hire Car After Fire, Theft or Attempted Theft If your car is stolen, we will pay up to $75 a day towards a hire for a maximum of 14 days. Emergency Accommodation Expenses If you have a claimable accident more than 100kms from home, we will cover your emergency accommodation up to $250 per night for a maximum of 4 nights. Choice of Repairer You are welcome to choose your own repairer if you have an accident. You will need to discuss guarantees on the workmanship directly with your repairer if you choose this option. Monthly Payment at No Extra Cost Unlike other insurers, we don’t charge you extra to pay by the month. Lifetime Guarantee on Authorised Repairs When we arrange for a nominated repairer to fix your car, we will guarantee the workmanship of the repair for the lifetime of the car while you own it. Agreed Value at No Extra Cost To give you peace of mind, we offer you the option of agreeing on the value of your car at no extra cost. Cover for Personal Belongings If your clothing or personal valuables are lost, damaged or stolen in a claimable incident, we have them covered up to the value of $500. Replacing your Lost or Stolen Keys If your keys have been lost or stolen, we will pay you up to $2000 to replace them.Terms, conditions, limits and exclusions apply. Please read the relevant Product Disclosure Statement and Premium and Excess Guide for full details.
Optional Extras
Roadside assistance
Windscreen and window glass cover
Hire car after accident
We are proud to launch the very first Pay Per KM insurance product in Australia. Whilst not a new concept overseas, UbiCar is proud to be the ones to bring this to Australian consumers!
This product was launched by our expert digital product team in April 2020. The concept was driven by our former CEO, Mr. Keith Lambert, who sadly passed away in December 2019, but the product was left in the very talented hands of Mr. Kevin Cunneen. Kevo is our resident Tech Guru at UbiCar! Now that PPK is launched, this is only the start for him and the UbiCar team as he has BIG plans ahead. He is busy working with our Research and Development teams to bring you additional features that will save you even more money whilst also keeping you safe on the road.
Meanwhile, Mr. Joel Ilacqua and the rest of the customer service team will be at hand should you require any assistance and need that human touch. Even though we are a tech company, we understand the need to speak to real humans too. We are always only a phone call away from our customers!
The UbiCar family continues to grow as our customer base grows. We look forward to welcoming new team members on a regular basis. Whether you think you would be better fitted with Kevo in IT or Joel in customer service, we want to hear from you!
UbiCar is proudly 100% Australian owned, and if you ever need assistance, our locally based call centre staff are here to help.
Useful Information
Terms and Conditions
Privacy Policy
Dispute Resolution
How you drive Product Disclosure Statement
How you drive Premium & Excess Guide
Pay per km Product Disclosure Statement
Pay per km Premium & Excess Guide
Pay Per Km for Hyundai Product Disclosure Statement
Pay Per Km for Hyundai Premium & Excess Guide
UbiCar Claims
02 8233 3195
UbiCar After Hours Claims
02 8031 1340
E-mail
claims@ubicar.com.au
insurance@ubicar.com.au
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.
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