Canstar Car Insurance

Using Canstar car insurance to compare quotes and prices on your next policy? Complete an UbiCar quote online and discover the fairer insurance option.

Drive less, pay less.

Pay Per Kilometre Policy

Drive well, save more.

How You Drive Policy

It's all in the App.

Unlike other insurers, UbiCar offers fully comprehensive monthly cover that is based on how well or how far you drive your car. We do this by  using App based technology to personalise your premium and make insurance fairer. It’s also known as Usage Based Insurance and is how we got our name!

What our customers say.

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

*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.

Manage your insurance from your phone.

The UbiCar App is the one-stop shop to managing your policy

Why choose us?

All our policies offer these as standard so that you can keep your mind on the road

Optional Extras

Terms, conditions, limits and exclusions apply. Please read the relevant Product Disclosure Statement and Premium and Excess Guide for full details.

We believe insurance should be fair.

"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

UbiCar is proudly 100% Australian owned, and if you ever need assistance, our locally based call centre staff are here to help.


Most frequently asked questions and answers.

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.

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!

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).

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.

We believe in fair priced insurance for everyone and are using technology to deliver lower cost car insurance.

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.

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 road trip, we cap the daily km charge at 100km so you can rest assured your costs stay affordable.

Your 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.

When you sign up for a Pay per km policy you are sent an UbiCar Device which takes a reading of your odometer. We use that number of kilometres to calculate your premium each month and whenever you change or cancel your policy.

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.

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 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.

Don’t see your question? Please visit our help section.

Canstar Car Insurance

Drivers across Australia are looking for cheap car insurance and often the search for the cheapest policy available will include using online comparison tools like Canstar car insurance and iSelect to help them compare the market car insurance thoroughly. But how thoroughly are those car insurance comparison tools? Do they really reflect the lowest possible policy cost for your comprehensive car insurance?

UbiCar is proudly 100% Australian and we have been actively trying to disrupt the Australian car insurance industry by changing the way Aussie drivers can access cheaper and affordable insurance premiums for their vehicles, based on the way they drive and how far they drive. Rather than lumping our comprehensive insurance customers into easy to understand demographics and developing generic coverage policies which reflect the accident data and statistics per region or age group, we have developed a way for Australian drivers to take control of their own policy and price.

How are we able to offer lower insurance premiums and still maintain maximum levels of cover for our customers? By offering them a policy tailored to how they actually drive. We achieve this by inviting our insurance customers to share their driving data with us using our UbiCar App.. As an UbiCar customer, you can download and install our driving app onto your phone and then each time you’re in the car, activate your app and drive just as you normally would. This application is designed to capture your driving habits and other data which, when collected over multiple trips, returns a driver score back to you of between 40 and 100 points. Drivers who score highly on our scale have shown to be safer and more responsible road users than those who score lower. But it doesn’t just stop there. You can reduce your premium cost and increase your driver rating by following guidelines and safety tips tailored to your driving style.

The app collects data that relates to your acceleration and speeding habits, how quickly or unsafely you turn a corner in your car, how many times you are distracted by your mobile phone while you’re driving and how quickly or suddenly you brake while you’re driving.

This data then helps us build a more accurate picture of your level of skill, your safety and your sense of responsibility while you’re on the road. Drivers who often brake suddenly and harshly may indicate that they travel too closely to the car in front of them or take a lot of chances while they’re out on the road. How many times a driver is distracted by their mobile phone will indicate how much time they spend concentrating on the road in front of them, reducing the chances of them failing to react in time to incidents or changing conditions. For drivers who like to speed off at a set of lights or take a corner too fast, your driving data will accurately reflect how often you actually do speed or accelerate too quickly while you’re driving and then help you to take active control over unsafe driving habits and reduce the risk you pose while on the road.

These insights into your driving are particularly helpful for young drivers under 25 years as well as learner drivers of all ages. Often, we can become complacent while we’re driving and unaware that our driving habits may actually be unsafe. So, not only are we trying to help you reduce the cost to you to insure your car, we’re also trying to help you become a safer driver on our roads which really helps everybody.

If you’re a professional driver working for a rideshare business like Uber, then spend a lot of time on the roads, often in built-up metropolitan areas. On paper, this looks like it significantly increases your risk factor on the roads as you’re far more exposed to unsafe driving and incidents on the road than regular road users. Rather than penalising our rideshare insurance customers for choosing to make a living behind the wheel of a car, we’ve developed a way they can access lower  prices for their vehicle insurance without compromising on policy levels, claims and opting for a larger excess in the event of an accident or need to claim.

UbiCar car insurance is available across Australia. We cover drivers of all types and ages, including drivers in:

For more information about exactly how your policy is calculated and the type of coverage we offer to our customers, access our Product Disclosure Statement online directly from our website. While you’re there, take a couple of minutes to complete our online quote and get an idea of how much money you could be saving on your yearly insurance costs by switching to Australia’s fairest car insurance provider, UbiCar. Your online quote will take 2 minutes to complete.

Don’t settle for less and don’t pay through the nose for your car insurance. Start comparing policies outside of the Canstar car insurance comparison tools and find out how UbiCar can actively help you to reduce your insurance costs year after year.

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