Comprehensive Car Insurance

Choose cheaper comprehensive car insurance. Choose UbiCar. We are the insurance provider offering Aussies just like you a fairer way of insuring their vehicles.

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"

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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.


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.

Comprehensive Car Insurance

We are proudly 100% Australian owned but we’re even prouder of how we have revolutionised the way the comprehensive car insurance market works in Australia. Instead of using only statistics and demographics to guide our insurance premium costs for our customers, we have offered our customers the opportunity to choose comprehensive car insurance in two ways. We offer Aussie drivers, including younger drivers, learner drivers and drivers over 50, the opportunity to pay as you drive for only for the kilometres that you actually drive as well as insurance based on how you drive while you’re out on the road.

What does comprehensive car insurance cover?

Comprehensive car insurance is a policy covering the entire vehicle that you’re driving. It covers you for damage you sustain due to your own driving as well as accidental damage caused by a third party driver. It also covers you for the theft of your car. Comprehensive insurance means the comprehensive coverage of your vehicle with standard inclusions on policies offered such as a new car replacement, your choice of repairer and a lifetime guarantee on authorised repairs made as well as emergency accommodation expenses, monthly payment of your premium for no additional cost and coverage for personal belongings among many more. Add-on options you can include on your policy include roadside assistance, windscreen and window glass coverage and hire car access after you have experienced an accident.

Comprehensive car insurance also insures your vehicle against the risk of theft, fire and any damage that you may cause while you’re driving. It means that you can access insurance to fix your own vehicle and you are financially covered if you do cause accidental damage to another driver while you’re driving . Insurance customers can choose how much they wish to insure their vehicle for such as the market value of the vehicle or a sum of their own choosing. This is a great option for younger drivers who generally take more risks on the road, are more inexperienced than older drivers and who drive older cars which can more easily and cheaply be repaired or replaced than newer model cars.

Is it worth getting comprehensive car insurance?

Comprehensive car insurance is usually expected on financed vehicles with finance providers unwilling to release your loan contract without a Certificate of Currency, but this doesn’t mean you can’t find cheap car insurance when you need it. This certificate is proof that your vehicle has been insured and will state the type of insurance that has been purchased. For drivers who have purchased their vehicle using cash, whether they choose comprehensive car insurance will depend on personal preference. If you have recently purchased a new or second hand car and you’re not sure whether insurance is actually worth it, consider the way we calculate your insurance premium and get a quick online quote before you make a final decision.

The value of your comprehensive car insurance is ultimately what will help you decide whether you believe it’s worth purchasing a policy. When you choose UbiCar, you can control what that insurance cost actually is. Not only are you guaranteed all-round protection while you’re driving, you’re also able to change your insurance cost month to month. This may be by reducing the number of kilometres that you drive or by taking on board improvements and suggestions from the UbiCar App evaluating your driving choices.

Our pay per kilometre insurance is not based on a likely number of kilometres that you will probably drive throughout the course of your policy but the actual kilometres that you do drive. When you choose a comprehensive car insurance policy from UbiCar, you need our driving app as well. This app is activated while you’re driving and sends a range of data points to our head office database including the kilometres that you have driven. At the end of the month, we use this data to adjust your monthly premium cost either up or down, depending on how much you have been driving. This also means that by reducing your kms on the road throughout the month, you can directly affect the cost of your premium.

If you choose our How you drive comprehensive car insurance policy, then the driving app will collect more than just your actual driven kms. Other information that is collected includes things like how smoothly you drive while you’re on the road, measuring things like braking and speeds both on the straight as well as into the corner. The app includes handy hints and tips for improving your driving style and reducing your risk while you’re driving. By taking on board the tips sent by the app you can help to reduce your premium based on how you’re driving as well as how often and how far.

All of our policies cover drivers right across Australia including NSW, Victoria, WA, QLD, SA and every town and city in between. Before you decide whether a comprehensive car insurance policy is worth it for you, take just a few minutes to complete a quote from UbiCar online. You can also quickly compare costs using online tools like iSelect, designed to help Aussie insurance customers quickly and effortlessly manage insurance policy comparisons. Always check what the standard features are on the policy you’re considering as well as what the insurance provider will agree to at no extra cost.

Get a quote from  UbiCar now and check that you’re paying for the best comprehensive car insurance available in Australia. We also cover rideshare drivers including Uber insurance for drivers.

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