Cheap car insurance VIC

UbiCar offers fully comprehensive monthly cover based on how well or how far you drive. We use App based technology to personalise your premium to make insurance fairer!

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!

We believe insurance should be fair.

"UbiCar helps make safer drivers and reduce insurance costs"

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

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

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"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.

Cheap Car Insurance VIC

We have developed a new and innovative way of offering our customers cheap car insurance Victoria using high-tech solutions and tailored insurance policies which don’t reflect all the drivers on the road in Australia, but instead reflect your driving while you’re on the road.

We offer cheap car insurance Victoria to all kinds of drivers from learner drivers and young drivers under 21 and under 25 through to Uber drivers and other rideshare professionals. We develop a personalised policy that is reliant not on the accident data from all over the state or in the centre of Melbourne, but instead the data we capture from you in real-time every time you drive your car. Using our app, we can capture how you drive, when you drive and how often you drive, developing your premium to suit your needs and your caution on the road.

The type of cheap car insurance Victoria that we offer you include: comprehensive car insurance, rideshare insurance and third party fire and theft insurance. Are you new to the world of car insurance or are you not sure which level of coverage is best for you and your vehicle? We’ll take you through the type of insurance options open to you and how to make the best of your car insurance policy to ensure that you’re getting the cheapest car insurance Melbourne we can offer you.

Comprehensive cover is not the cheapest option but it’s often the best option if you have a newer model car like a Tesla and absolutely mandatory if you have a car loan or other personal loan secured to the value of your car. This level of cover protects you financially from the cost of accidental damage that you might cause to your own vehicle backing into a pole or another person’s vehicle, and it protects you when someone else causes damage to your own vehicle, as well as covering you for damage sustained from weather events like hail damage.

If you need to claim on your insurance policy to cover the cost of repairs or replacements, then you will have to pay the excess on your insurance policy. The excess amount can vary between providers and depending on the type of insurance you have chosen. For example, insurance companies have developed ways to help minimise the cost of annual premiums and make them more affordable by increasing the excess and then making up the difference in annual premium costs. You can, conversely, decrease the cost of your excess by choosing 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.

Third party fire and theft is a kind of insurance policy that offers some of the protection you get from a comprehensive policy with the exception of covering the damage that you cause to your own vehicle. This type of coverage is restricted only to property you accidentally damage and which does not belong to you. It can offer you a cheap car insurance Victoria for people with older cars or less valuable vehicles. The cost to comprehensively insure your car can actually work out as higher than the actual market value of the vehicle itself and with a fire and theft policy, your protected in the event that your car is stolen with the market value paid out to you to help you manage the cost of a replacement. If this does happen then you will need to pay the excess amount but often the insurance provider will calculate your insurance payout minus the value of you excess so you’re not out of pocket beforehand.

Insurance policies on the whole are offered to individuals based on the use of fairly old and standard risk assessments. These assessments use modelled historical claims data to accurately predict the risk of an insurance company having to pay out for any given policy, and that prediction will ultimately inform the cost of your police. These data models use the claim history for particular areas in Victoria, with Melbourne presenting a higher risk than other rural locations based entirely upon the fact that there are more people on the roads in Melbourne and therefore more chances of an accident amongst motorists occurring. It also uses claims data which help to predict how likely a certain age group or gender is to make an insurance claim versus other demographics. We use the same processes at Ubicar but we also use another more personalised and high-tech process which you can actually affect just by driving your vehicle like you normally would.

Cheap car insurance Victoria is offered by Ubicar based on the standard risk profiles other providers use and based on captured driving data taken in real-time through an app on your smartphone. We use this data to continue assessing your premium price after you have taken out an insurance policy with us. What does this mean? Well, for safe drivers, we get to see just how safe you really are and we get to reward you with a higher safety rating which means lower annual premiums the more data we receive. This also means that you’re not paying insurance premiums set by other, less cautious drivers than yourself. 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. It’s about fairness and equity and rewarding the people who are trying to remain safe, who aren’t taking chances but still have to pay the same premiums of less cautious and more unsafe drivers on the road.

We’re using your own driving capabilities and caution to help us deliver a fair premium that is individualised and personalised to you, creating more sustainable ways of offering cheap car insurance Victoria to the people who really, actually, deserve it. And we’re available all around Australia – WA, SA, ACT, QLD – with policies for comprehensive insurance, rideshare insurance and CTP insurance for drivers in NSW.

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 if you choose to pay your premium by the month rather than on one lump sum. We have some cool optional extras, too, which include a roadside assistance programme that you have the option of adding to your policy for a bit of peace of mind.

Ubicar is about fair premiums and insurance rewards for the people who really deserve them. We all know the kinds of drivers that we really are, and we all know what the chances of causing an accident really are. 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 to ensure that you get only cheap car insurance Victoria that you’ve earned by being safe and sensible on the road. Get a quote instantly and check how much you should be saving.

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