Comprehensive Car Insurance

Based on how you drive

UbiCar application 3 screenshots

How it works

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

Find out more about our insurance quotes here

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"

News logo

"New driver tracking app can save you big on car insurance"

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

7 News logo

"The disrupter Ubicar is offering insurance based on how you drive."

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

For more reviews and media mentions please click here

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

Optional Extras

We can also tailor your policy to suit your every need.

What UbiCar customers say

Savings and benefits users now enjoy since switching to UbiCar*
Luana testimonial

"My massive monthly savings
are fantastic for my family"

Luana - New South Wales
Jillian testimonial

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

Jillian - South Australia
Luke testimonial

"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

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.

We couldn’t answer your question? Please visit our help section

Making Car Insurance Cheaper

Cheap car insurance in Australia is something that everybody wants and Ubicar have developed an innovative and high-tech solution for keeping premiums low, options and extras high, and remaining as fair as possible for all kinds of drivers including learner drivers and young drivers under 21 and under 25 through to Uber drivers and other rideshare professionals. We’re changing the way Australians think about and operate within the car insurance market by using the technological advances and options that each of us already use every day. Your smart device and its ability to run our app is what will ensure that you access the cheapest car insurance in Australia from Ubicar. It’s why your premium will be personalised to you, specifically, in a previously unknown way.

Do you have current vehicle insurance and you’re looking to switch your provider? Or are you new to car insurance and you don’t know why it’s so expensive or what kind of coverage options you really have to choose from?  Shopping for cheap car insurance can be confusing and there are a lot of options available. The trouble is, they’re mostly just offering you the exact same products for roughly the same cost so how do you know that you’re actually getting the cheapest car insurance in Australia without sacrificing good perks and benefits?

Let’s start with the types of cheap car insurance you can actually purchase and what each policy actually covers you for. You may decide that the level of cover you actually have isn’t good enough or is a little too comprehensive for what you actually need. Let us help you understand the types of insurance that is available to you and how you make the most out of your policy.

Comprehensive car insurance: Comprehensive cover for your vehicle means that you are insured against damage that you cause and for damage that is caused by other vehicles, people or events. This level of cover is the highest kind of insurance cover available. It protects you financially from the cost of accidental damage that either you cause to your own vehicle, someone else causes to your own vehicle, or for weather events like hail damage. If you are at fault and you wish to claim on your insurance policy to cover the cost of accidental damage, then you will need to pay what is known as an excess. The excess amount will vary depending on the type of policy you have and who it’s with. Some insurance providers have developed ways to keep annual premiums more affordable by dropping the premium amount and increasing the excess. Alternatively, you can often decrease your excess amount by opting to pay a higher annual premium. This is particularly useful for younger drivers who will already have a substantially higher annual premium they must pay given the high risk of their demographic.

Often when you take out finance like a car loan, or you use your car as an asset to secure a personal loan, you will be forced to take out a comprehensive insurance policy protecting the finance company against the loss of your security asset.

CTP insurance: Compulsory Third Parry insurance is also known as a green slip and you cannot register your vehicle in any state and territory in Australia without one. Again, younger drivers are stung here more than older drivers with the cost of CTP insurance being substantially higher for drivers who are more likely to need to claim this type of insurance. In NSW you are permitted to purchase your green slip from any insurance provider who offers them but in other parts of the country including the ACT, WA, QLD and VIC, your options are more limited. However, they are also subsided by the state and territory government which mandates the need for them. This type of insurance is to help cover costs you may cause to an individual such as medical costs. You are not permitted to drive a vehicle that does not have a current CTP insurance policy and the fines for doing so are incredibly steep.

Third Party Fire and Theft: This kind of insurance works similarly to a comprehensive policy except it does not cover damage that you cause to your own vehicle. Given that the level of coverage is restricted only to property you damage that does not belong to you, it’s a cheap car insurance option particularly for people with older cars. Often if your vehicle is quite aged, and not considered a specialist vehicle or vintage antique, the cost to comprehensively insure your car will be higher than the actual market value of the vehicle itself. With a Fire and Theft policy, your vehicle is covered in the event that it is stolen. The excess will need to be paid in this case and often the insurance provider will calculate your insurance payout minus the value of the excess so you’re not immediately out of pocket.

All of these insurance policies are offered to individuals using standard risk assessments that model historical claims data to develop the price of a premium and the likelihood of an insurance company needing to payout against a policy. At Ubicar, we do that too but we also use a special and high-tech approach to actively monitoring the fairness of an individual’s insurance policy. When you take out cheap car insurance from Ubicar it’s because we have an app that actually captures your driving data in real-time and we use that data to continue assessing your premium price. For safe drivers, you are rewarding with a safety rating and lower annual premiums. The price of your insurance is not dependent upon the conduct of other drivers who share your post code but is instead driven by your own abilities, experience and caution on the road. You can’t get fairer than that.

Our types of insurance include rideshare insurance for people who work for companies like Uber, and we also insure specialist and new vehicles like the Tesla. As a new phenomenon in Australian motoring, there is not a lot of insurance data that exists to accurately reflect the value of insuring a Tesla. We’re using your own driving capabilities and caution to help us deliver a fair premium that is individualised and personalised to you.

Choosing Ubicar takes about 2 minutes of your time to set up entirely online. There are no lengthy paperwork delays and we can get you up and covered as soon as you accept your quote and your premium is paid. We also don’t charge you fees on choosing to pay your premium by the month rather than on one lump sum. Our optional extras include 365 day a year roadside assistance that you add to your policy for additional peace of mind.

Ubicar is not just about cheap car insurance, we’re about fair premiums and insurance rewards. You know what kind of driver you are, and you know what the chances of you causing an accident are. We trust you to know that so when you join Ubicar you’re invited to prove to us how safe you are and how much you can improve your insurance premium with us.

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