UbiCar car insurance

UbiCar insurance is currently unavailable for new policies.

UbiCar’s philosophy is simple and refreshing: people should be rewarded for their safe driving. That’s why it offers personalised car insurance that sees good drivers and those who drive less often paying lower premiums. With the help of an app and odometer-reading device, UbiCar will monitor how safely and how far you drive and adjust your policy accordingly.

UbiCar offers the following car insurance policies

Rates and fees verified as correct at 05 August, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance (currently unavailable)

Yes

Not Published

n/a

Yes

What is UbiCar?

This Australian car insurance provider offers usage-based insurance. A conventional insurance company might look into your driving history when you first take out a policy, but UbiCar monitors how you drive and the time you spend on the road to set a variable month-to-month premium.

They are able to do this using an app-based telematics system which records your driving style and habits. UbiCar also offers pay-as-you-drive cover, which lowers your monthly premium based on the number of kilometres you drive.

UbiCar’s goal is to make insurance premiums fairer and based on current data, instead of broad statistics which can negatively impact high-risk groups like young or inexperienced drivers.

How does the UbiCar app work?

The main driver and anyone else whose name is on the policy must download the UbiCar app on their phone to collect information about your driving. 

Remember to activate your location services and bluetooth before you drive, otherwise the app won’t function properly. If you’ve forgotten your phone or if it’s out of battery, location data won’t be included in the score which informs how your premium is calculated, but other data may still be collected.

How is my UbiCar score calculated?

Your UbiCar score is a number between 40 and 100, and reflects how safe you are as a driver (the higher the score, the better). There are a lot of things that go into calculating this score, but the main ones are:

The score displayed on the app is a rolling two week score, meaning it’s based on your time on the road over the past two weeks. To accurately assess how safe a driver you are, UbiCar will base your policy on your score over an extended period of time. For that reason, the number on your app might not match the one on your policy. Ubicar will make sure to tell you which scores were used to determine how much you pay in your Certificate of Insurance.

How is my UbiCar insurance premium calculated?

Unlike many other insurance providers, UbiCar calculates your premium based on how you use your car. It does this via the UbiCar app which tracks your behaviour on the road. 

If your driving improves over time, your premium will be reduced. If, however, it worsens, you can expect your premium to go up. You can keep it low by making sure to always follow the rules of the road, or even by using your car less.

Along with how you drive, there are a few other factors that go into calculating your premium, just as with traditional car insurance, such as your car’s value, its make and model, and where you keep it overnight.

Since your premium is being continuously assessed and adjusted, there isn’t an annual policy. Your monthly policy is automatically renewed, and you can cancel any time.

Do you automatically get pay per kilometre cover with UbiCar? 

While your driving habits are automatically monitored when you sign up with UbiCar, you’ll need to actively choose the pay per kilometre option. 

This comprehensive cover offers additional premium reductions based on how far you drive. If you’re an occasional driver and estimate you travel less than 15,000km in a year, this policy option could be ideal.

How does it work? Each month you pay a per-km rate for the kilometres you travel, plus a lower base premium for when the car is parked. Distance is recorded by the pay per kilometre UbiCar Device which plugs into your car and connects to the mobile app. So once again, your monthly premium may vary.

Don’t stress if you’re doing a one-off roadtrip, because the daily limit is capped at 100km.

What does an UbiCar insurance policy cover?

UbiCar offers comprehensive car insurance which covers a number of insurable events and items. These include:

How do I make a claim with UbiCar?

To make a claim, you’ll need to call UbiCar or head to the claims portal and provide them with the necessary details of the incident. These include:

FAQs about UbiCar car insurance

How can I pay my premium?

Your premium must be paid in monthly instalments, and when you first open a policy you’ll be required to pay for the first two instalments up front. Because your premium depends on your UbiCar score, it may differ from month to month. To avoid any surprises, you’ll be informed of how much you’ll pay each month in advance.

As for payment methods, UbiCar accepts Visa, Mastercard and American Express. Unfortunately, it does not offer the option to pay via BPAY or direct debit from a bank account.

Are there any optional extras with UbiCar? 

Yes, like many insurance policies not every item or event is covered in a standard comprehensive policy. You’ll have to opt-in for some things like roadside assistance, hire car cover after an accident, and excess-free window and windscreen repair.

Remember, including optional extras in your policy will increase your premium.

What are my excess options with UbiCar? 

Beyond the base UbiCar excess, additional age and unconnected app excesses can apply. The age excess for drivers under 26 can reach $700 for drivers listed on your policy and up to $1,000 or undisclosed drivers.

The unconnected app excess can be as high as $1,500 and is charged if you haven’t installed the app properly to monitor your driving behavior and then make a claim. You might be able to avoid this charge if you inform UbiCar you’re having trouble installing the system, or if you can prove you weren’t responsible for inconsistent data.

How do I install the UbiCar Device for the pay per kilometre policy? 

If you opt for the pay-as-you-drive option with UbiCar, you’ll receive an UbiCar Device that monitors your odometer when you take out the policy. 

To install it, you’ll need to find your car’s diagnostic port (normally near the steering wheel) and plug it in. Then you’ll have to connect the Device to your UbiCar app. Follow the instructions here.

How is UbiCar car insurance rated?

Mozo users have rated UbiCar car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

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UbiCar car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

1 Reviews

Recent UbiCar car insurance reviews

UbiCar Comprehensive Car Insurance
Overall 6/10
Zero communication through claim process.

Love the product and the offering but my experience when it came to make a claim was pretty ordinary. There was a complete lack of communication from their end. It took at least three phone calls from me, and two email complaints before someone contacted me to tell me the process and likely timings. I just got an email today to tell me my policy has been cancelled but received no other communication. Presumably that means my claim has been accepted and paid, but it would be nice to be told. If you have low expectations for customer service you won't be disappointed.

Read full review

Love the product and the offering but my experience when it came to make a claim was pretty ordinary. There was a complete lack of communication from their end. It took at least three phone calls from me, and two email complaints before someone contacted me to tell me the process and likely timings. I just got an email today to tell me my policy has been cancelled but received no other communication. Presumably that means my claim has been accepted and paid, but it would be nice to be told. If you have low expectations for customer service you won't be disappointed.

Value for money
9/10
Policy coverage
7/10
Customer service
8/10
Claims handling
1/10
Trust
3/10
Less
Greg, Queensland, reviewed over 1 year ago

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