Seniors Car Insurance

You could save hundreds switching your seniors car insurance to UbiCar. With UbiCar, you only purchase insurance for the kms you actually drive.

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.

Seniors Car Insurance

You could save money when you switch your seniors car insurance to UbiCar. We are Australia’s 100% owned insurance company changing the way that people just like you pay for their comprehensive car insurance. Cheap car insurance is actually possible, and you can actually pay only for the insurance that you need. Our pay per kilometre policies mean that car insurance for seniors over 80 as well as for younger drivers are covered while they’re driving along with a low monthly fee when they aren’t driving.

Does age affect car insurance?

Car insurance for under 25 drivers is notoriously expensive due to the inexperience of most younger drivers and learner drivers,  as there is a recorded tendency for younger drivers to take more chances while they’re out on the road. At UbiCar, we have developed a solution for drivers of all ages, helping Australians access fairer and more inexpensive insurance. Instead of allowing demographic data to drive how we assess the driving risks of our customers, we have developed a pay as you drive insurance system as well as a driving app which records real time data of how you drive while you’re out on the road. If you enjoy taking risks like fast cornering or late braking, then the UbiCar app will collect that data and help us to calculate your insurance premium to cover the way that you normally drive.

Most senior citizens and drivers over 50, however, are more cautious while out on the road. They’re less likely to take chances, less likely to speed and less likely to find themselves in a bingle like a bump in a carpark. Because older drivers are more cautious, they are less of a risk while on the road and should be paying a lot less for insurance.

Do seniors get a discount on car insurance?

iSelect insurance comparison has a few tips and strategies for finding cheap car insurance for seniors and they do note that most insurance companies in Australia will have a discount for older driver and seniors. You may qualify for this based purely on your age – such as discounts for age pensioners – or you may access discounts due to the good driving history you have and any no claims bonus schemes that you might qualify for. However, the surest way to ensure that you have a cheap insurance contract which still covers you for everything you need to be covered is to switch to UbiCar and our pay per kilometre insurance. You can’t make these definitive statements like “everything is covered” because it isn’t.

As a senior citizen, it’s unlikely that you’re doing as many miles every year as you used to. For full time workers who regularly commute by car, trips to and from work can easily reach into hundreds of kilometres every year, sometimes even thousands. If you are a senior and you’re no longer working full time, you might find that you’re actually paying for insurance that you simply don’t need anymore. Popping down to the shops, out to visit the grandkids or off on a Sunday afternoon drive will likely mean that your regular driving now is a lot less than it’s ever been. Don’t get stuck paying through the nose for coverage you simply don’t need anymore. Take a few moments to complete a quick online quote with UbiCar and check what you could be saving if you made the switch over today.

For retired Aussies looking to spend the next few years on the road visiting all of the must-see places on your bucket list, UbiCar remains flexible, covering you for the mileage that you’re actually driving. This means that while you’re on the road, UbiCar adjusts your premium to match your miles and you have peace of mind knowing that you’re covered between towns but once you find that perfect spot by a local river or on the coast; once you’ve found that gorgeous forest location or rural vista, your coverage is adjusted again to reflect an extended stay for a while. UbiCar covers drivers all over the country including NSW, Victoria, WA, QLD, SA and everywhere else in between.

What is best car insurance for seniors?

The best seniors car insurance is the most economical premium that covers you for what you need rather than a bunch of extras that you probably won’t ever use. UbiCar offers customers a range of policies and tailoring options to suit what you need like insuring your car for more than market value or less than (depending on whether the vehicle has been financed),

When choosing the right policy for you it’s important to remember not only the cost of your policy to ensure that fits your budget but also the inclusions. Our policies include things like new car replacement, access to a hire car following a vehicle theft or even an attempted theft which may make your car undrivable. We also offer customers emergency accommodation expenses – which could come in handy if you’re out on the great open road in search of adventure and get a bit more than you originally bargained for – as well as your choice of repairer for any damage you might experience. You can budget using our monthly payment option at no additional cost and there is a lifetime guarantee on authorised repairs possible as well. Worried you might lose your keys? Include replacing lost or stolen keys on your seniors car insurance with UbiCar.

Get an online quote today for both our pay as you drive insurance and pay per kilometre policies as well as rideshare insurance include Uber driver coverage.

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