iSelect Car Insurance

Using iSelect car insurance to find you the cheapest online quote? Compare prices with UbiCar, the insurance provider who covers drivers not statistics.

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.

iSelect Car Insurance

As a vehicle driver in Australia, you are probably looking for the fairest and the cheapest car insurance available. Which is why you have probably used online tools like the iSelect car insurance comparison tools which search out the cheapest vehicle coverage available. It makes sense to compare the market rather than simply continuing to use a car insurance provider you are familiar with. However, how much sense does it make to continue paying for a premium that doesn’t actually insure your car the way that you actually drive it?

UbiCar is the 100% Australian car insurance provider who is disrupting the way comprehensive car insurance is really calculated. Rather than relying on a bunch of driver statistics that generically cover areas like the Sydney suburbs or regional Victoria, we use a more intuitive and a fairer way of calculating your premium. We actually monitor how you drive and how safe you are while you’re on the road. This helps us to develop a more personalised insurance premium that covers your actual risk on the road. We even offer you ways and tips for increasing your safety rating and lowering your premium even further. Does iSelect car insurance offer you that option when you compare car insurance quotes online?

Why we offer cheap car insurance

The UbiCar way is the fairest way of calculating your level of cover and excess costs using our pay as you drive insurance option.

With our How you drive policy, we will collect driving data while you’re out on the road, including for all types of drivers. Things we look for include your acceleration and speed behaviour, your cornering speeds and safety, how many times you have been distracted by your phone while you were driving and how harshly or suddenly that you brake. This data is collected over multiple car trips to give us an average score of between 40 and 100 points. The higher you score on our safety scale, the lower your premium is for any type of cover like fire and theft, and accidental damage.

We offer our cover for every Australian from young drivers under 25, learner drivers of any age, as well as seniors. UbiCar is available in every state and territory so you can access cheap car insurance coverage from Darwin to Hobart, Brisbane to Perth and Melbourne to Canberra. We also offer 24hour roadside assistance across Australia too ensuring that your complete vehicle coverage needs are all coordinated from a single insurance company trying to help you save on costs across the board.

For professional drivers like rideshare drivers, our Uber driver insurance is also the cheapest way to maintain maximum coverage for less. As a professional driver, you spend a lot of time on the road. This means that you are exposed to more risk than other drivers who don’t drive as often, but it also means that you have a lot of practice and experience. Experience on the road often translates to higher safety ratings as you’ll be aware of how your vehicle responds in various weather conditions, road conditions and the driving habits of other drivers on the road. Rather than penalising drivers exposed to greater risk, we have developed a way to offer fair coverage for all.

While iSelect car insurance has helped individuals find the lowest cost policy they can, it’s time that drivers started moving toward more affordable and fairer comprehensive cover. It’s time that insurance companies started treating their customers like individuals rather than a load of statistics and demographics. We’re committed to breaking the mould and to developing ways that not only cover our drivers comprehensive coverage, but also offer them ways to improve their driving and obtain budget car insurance that covers them, not the rest of the road users.

UbiCar offers the best vehicle insurance for drivers of all ages, covering roads and road users in NSW, VIC, WA, QLD, TAS, SA, NT, ACT. To find out more about how our car insurance comparison and exactly what you’re covered for and how, take a look online at our Product Disclosure Statement. We’ve tried to keep everything as transparent and accessible as possible so you can check out what you can claim and how your premium is calculated to ensure that when it comes time to compare car insurance, you’re not selecting the iSelect car insurance option that only looks cheaper than the rest. Instead, you’re choosing an insurance provider who is committed to looking past your drivers license and to evaluating you’re everyday driving habits and behaviour.

Getting a quote online from UbiCar takes just two minutes. We’ll ask you for some standard information about what you drive and how often, and then you’re able to download in install our driving application to your phone. You can check what your driving score is at any time, accessing your own driving data through your account with us. If you follow our tips and guides, you can increase your safety rating and access better premiums. Don’t pay for other road users and the most likely scenario based on where you drive and how old you are. Instead, opt for UbiCar and choose the Australian insurance provider trying to improve the industry from the inside out.

The next time that you use iSelect car insurance and Canstar comparison tools to choose the best price car insurance for you and your family, think UbiCar. Compare quotes online with us or call our customer service team today to discover how we can help you save money.

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