UbiCar is changing the way Aussies take out car insurance, by rewarding safe drivers with lower premiums. Everything operates through the UbiCar app, where drivers can track their driving habits, receive messages about their monthly premiums and even make claims. UbiCar also lets you choose your own repairer, so with this car insurance, whether it’s driving safely for lower premiums or choosing who fixes your car, it’s all up to you every step of the way.

Key features:

UbiCar offers usage based car insurance where the safer the driver the less you pay! Based off a tag that you put in your car and an app you can access on your smartphone, UbiCar tracks drivers’ driving habits and determines premiums from how well or poorly a driver drives. Basically, once your set up, data is collected from the tracker tag every time you drive.

But don’t worry, you won’t just be randomly slapped with a different premium every month without notification. UbiCar constantly keeps its drivers in the know, by updating them through the app about the cost of their monthly premiums, why they were either lower or higher than the previous month and what driving habits you need to improve on (if any).

To keep things simple, there is only one option of cover when you take out UbiCar Insurance, comprehensive. Under your policy you’ll be covered for events like theft, towing costs and any damage caused by collisions, weather etc. There are also some optional extras you can add which include windscreen and window removal and cover for a hire car after an accident. Just be mindful to select these options if you think you’ll need them when you first take out cover, as they aren’t automatically covered under a regular policy.

UbiCar offers options for drivers that are under 25 and, in the same way they do for experienced drivers, they reward them for safe driving. Keep in mind though, you could pay up to $650 excess on a claim for a young driver.

Who it's good for:

UbiCar Insurance could be a good car insurance option for drivers who are safe on the roads and want to be rewarded it for it, and don’t mind having to stay up to date with their premium.

Any catches?

If your car is damaged when your car is driven by a driver that isn’t nominated on your UbiCar insurance an additional $1,000 excess is applied. Also bear in mind, if your tracking tag is unconnected when you need to make a claim, an additional $1,500 excess applies.

Details

Discounts and excesses

Monthly premiums available
Choice of excess

$850 - $1850
Young driver excess imposed

$650 for drivers 16-18, $550 for drivers 19-20, $450 for drivers 21-23, and $300 for drivers 24-25.
Maximum no claim discount table

Not Published
Maximum no claim discount term

n/a
Online discount

n/a
Multi policy discount

n/a
No claim discount

No
Discounts available

Discounts based on how you drive, collected through app-connected telemetry.

Service features

Roadside assistance
Choice of repairer
Claims service 24 7
Other benefits

Reduced premiums based on how you drive, as measured by app-connected Tag.
Other restrictions

n/a

Coverage summary

Agreed or market value

Agreed
New car if written off

- within 2 years and original owner of car.
Personal property cover

Up to $500 if damaged or stolen.
Windscreen cover

Optional - No additional excess.
Emergency repairs without assessment

Up to $750
Emergency options

Reasonable towing costs. Up to $250/night for four nights if >100km from home address.
Rental car after theft

- Up to 14 days, maximum $75/day
Rental car after accident

Optional Extra - Up to 14 days, maximum $75/day
Rental car liability

Yes - legal liability cover when using a substitute vehicle.
Trailer or caravan cover

Up to $2,000 for trailer only.
Replacement keys

Up to $2,000 if lost or stolen
Baby capsule or seats
Modifications

Covered only if agreed in writing.
Accidental death cover for driver

Up to $10,000 within 12 months of accident.

(*as voted by the Mozo community)

Customer Reviews

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