UbiCar Pay per kilometre

Comprehensive Car Insurance.

Pay per kilometre Policy

Drive less, pay less.

If you drive less than 15 000 kms a year, Pay per kilometre insurance could save you hundreds.

How it works.

It's as simple as 1-2-3!

At the end of the month, UbiCar notifies you with the kilometres you have driven and adds that to the monthly fee. The less you drive, the less you pay. What’s fairer than that?

No need to worry if you go on a road trip as we cap the daily costs to 100km.

UbiCar uses technology to make insurance fairer. When you sign up for Pay per kilometre insurance, we will send you an UbiCar Device. This plugs directly into your car and connects to your mobile phone via our App. This allows us to measure the number of kilometres you drive. It’s as simple as that!

Pay per kilometre is Comprehensive Car Insurance, so you get great coverage with this policy*.

Why choose us?

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

New Car Replacement
If you are the first registered owner of the vehicle and it is less than 2 years old, we will replace it with a new car and pay the initial on road and registration costs.
Hire Car After Fire, Theft Or Attempted Theft
If your car is stolen, we will pay up to $75 a day towards a hire car for a maximum of 14 days.
Emergency Accommodation Expenses
If you have a claimable accident more than 100kms from home, we will cover your emergency accommodation up to $250 per night for a maximum of 4 nights
Choice Of Repairer
You are welcome to choose your own repairer if you have an accident. You will need to discuss guarantees on the workmanship directly with your repairer if you choose this option.
Monthly Payment At No Extra Cost
Unlike other insurers, we don’t charge you extra to pay by the month.
Lifetime Guarantee On Authorised Repairs
When we arrange for a nominated repairer to fix your car, we will guarantee the workmanship of the repair for the lifetime of the car while you own it.
Agreed Value At No Extra Cost
To give you peace of mind, we offer you the option of agreeing on the value of your car at no extra cost.
Cover For Personal Belongings
If your clothing or personal valuables are lost, damaged or stolen in a claimable incident, we have them covered up to the value of $500.
Replacing Your Lost Or Stolen Keys
If your keys have been lost or stolen, we will pay you up to $2000 to replace them.
And much more!

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

Optional Extras

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.

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.

This policy is for low kilometre drivers, who don’t use their car everyday.
You may be a commuter, uni student, empty nester, retiree, weekend driver or a remote worker. If you drive less than 15,000km a year, Pay per km insurance may be right for you.
*Any advice provided by UbiCar Insurance is general advice only and you should consider if it suits your needs.

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.

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

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.

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).

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.

When you sign up for a Pay per km For Hyundai Auto Link policy, Hyundai provides UbiCar with the number of kilometres your car has travelled. We use that number of kilometres to calculate your premium each month and whenever you change or cancel your policy.

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

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