Hail Damage Car Insurance

UbiCar offers customers access to car insurance tailored to how you drive, including cover for hail damage. Get an online quote for car insurance today.

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 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.

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

Hail Damage Car Insurance

Hail damage can be devastating to your vehicle and if you’re looking for a hail damage car insurance policy, then the first thing you should do is compare the insurance market to ensure that you’re opting for the best value insurance policy for you. UbiCar offers two types of comprehensive car insurance for customers seeking cheap car insurance: pay per kilometre insurance (usage based insurance) as well as pay how you drive insurance. Our pay as you drive policies are designed to ensure that our customers get a personalised premium based on their driving choices.

The UbiCar app can collect more than just your driving kilometres every month. Using our App, you can also gain insights into how you drive with key driving indicators like your speed, your cornering and your braking collected for analysis. If you’re a safe and responsible road user, then your driving data will reflect this. This is great for young drivers such as drivers under 25 who are perhaps less experienced than senior drivers, and more prone to take risks while on the road. The UbiCar App returns helpful insights for users, showing drivers where they can improve their driving skills and reduce the risk they pose while they’re driving.

When it comes to hail damage, you will ideally want to ensure that your windscreen is covered in your policy. Always check standard inclusions as well as optional add-ons to ensure that you’re getting the best value for money for your policy. UbiCar offers insurance to Aussie drivers all over the country with our policies available in NSW, ACT, VIC, QLD, WA, NT, TAS, SA. Get a quote today for your vehicle in just a few minutes online. If you have any questions about standard inclusions and add-ons then please don’t hesitate to contact our customer service team.

How to protect your car from hail

Hail occurs rarely but it does happen and the affects it can have on property and vehicles can be devastating. If you’re driving and you’re caught in a hail storm then the safest thing to do is slow down your vehicle, just like you would in any other heavy weather situation, and then look for a safe place to pull over and wait the storm out. Ideally, choose a place to pull over that include a sturdy covering such as at a petrol station or in a multi-level car park. This will help to mitigate how many hail stones fall on your vehicle and may help to protect your windscreen as well as the body work from sustaining too much damage.

If you know that hail has been predicted then when you choose to park your vehicle, avoid parking it below any trees or out in the open. Choose a covered parking area if you can. Hail can also affect the condition of the road, making it more slippery to drive on. Always ensure that you slow your vehicle down in heavy weather and maintain safe distances between yourself and other road users. It’s easy to lose control of your vehicle while driving on slippery surfaces and driving at slower speeds will reduce the risks of larger, more dangerous accidents from occurring.

Does comprehensive car insurance cover hail damage?

Not every comprehensive car insurance policy will offer exactly the same things. Each insurance provider tailors their policies a little differently so it’s a good idea to compare the market before choosing an insurer. Online tools to help you compare insurance quotes include services like iSelect. You can also get an online quote from UbiCar in a matter of minutes. Our standard list of inclusions contain the following: emergency accommodation expenses, monthly payments at no additional cost and a hire car if your car is damaged due to fire, has been stolen or is undriveable due to an attempted theft. Optional add-ons you can choose include things like windscreen and window glass coverage as well as roadside assistance and the use of a hire car if you should need one following an accident.

Can you get insurance on a hail damaged car?

When you opt for an insurance policy, your insurance provider will insure your vehicle for either its market value or a value that you nominate. If your vehicle has been damaged by hail, then this will need to be declared when buying your policy. Repairing hail damage is quite expensive with some repairers estimating roughly $100 per dent after an assessment of a hail damaged vehicle.

We offer car insurance for Australian drivers of all ages and experience from professional rideshare drivers like Uber employees through to seniors and drivers under 25. Get a quote online today for hail damage car insurance in just a matter of minutes and discover why Aussie drivers are saving so much more every year when they switch to UbiCar.

Learn More