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UbiCar Comprehensive Car Insurance

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Important information on terms, conditions and sub-limits
Monthly premiums available
Maximum no claim discount
Not Published
Online discount
Choice of repairer

Mozo editorial review UbiCar Comprehensive Car Insurance - last updated: 21 October 2020

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What's hot
  • Rewarded with lower monthly premiums for safe driving
  • Easy to claim via the UbiCar app
  • Comprehensive insurance for rideshare drivers
What's not
  • Up to $650 excess for young drivers
Mozo snapshot

UbiCar insurance is currently unavailable for new policies.

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.

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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 your driving habits and determines premiums from how well or poorly you drive. Basically, once you're 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 and all the usual suspects. 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. And if you drive for Uber or any other rideshare service, you'll be glad to hear that UbiCar offers comprehensive car insurance for vehicles used for rideshare.

Who is it good for

UbiCar Insurance could be a good  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. You'll also want to be relatively tech-savvy to make the most out of the app.

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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.


Rates and fees information correct as at 21 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses


$600 - $1600 (varies by state)

$700 for drivers 16-18, $600 for drivers 19-20, $500 for drivers 21-23, $400 for drivers 24-25, $1,000 for unlisted drivers.

Not Published





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

Service features




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

Currently unavailable for new policies.

Coverage summary


Yes - within 2 years and original owner of car.

Up to $500 if damaged or stolen.

Optional - No additional excess.

Up to $750

Reasonable towing costs and up to $500 travel costs. Up to $250 per night of accommodation for a maximum of four nights if greater than 100km from home.

Yes - Up to 14 days, max $75 per day.

Not at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, maximum $75 per day.

Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.

Up to $2,000 for trailer only.

Up to $2,000 if lost or stolen.


Covered only if agreed in writing.

$10,000 within 12 months of accident.

Optional Extra

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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