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KOBA car insurance review

KOBA offers niche policies, including electric vehicle insurance, pay-per-kilometre insurance, and cover for Uber Carshare.

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Nicola Middlemiss

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Koba Car Insurance

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Our verdict

Pros

  • Get car insurance specifically designed for electric vehicles.
  • Pay-per-kilometre cover is great for anyone who doesn't drive very much.
  • Uber Carshare drivers can get cover designed specifically for them.

Cons

  • If you're looking for run-of-the-mill cover, KOBA might not be for you.
  • There's no option to choose third party or third party fire and theft cover.
  • KOBA only insures cars from 2006 onwards.

How does KOBA compare with other car insurers?

KOBA is different from many other car insurers - it only offers three policies and all are comprehensive. It's also unable to offer cover to cars made before 2006, as you'll need to connect your car's computer with your policy.

Drivers who travel smaller distances and are looking for cheap car insurance may like to consider these options.

1 - 5 of 5
Updated regularly
Product FCI Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
KOBA Pay per KM
KOBA Pay per KM
Agreed
Summary: KOBA uses a pay-per-km system – ideal if you drive less. Its app is easy to use and costs can be as cheap as 3¢ per kilometre.

Who it might be good for: Those who don't drive long distances, such as city drivers.
View details
Budget Direct Gold Low Kilometres Comprehensive
Finder Award
Budget Direct Gold Low Kilometres Comprehensive
Optional
Optional
Agreed or Market
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Get QuoteView details
Huddle Black Comprehensive
Huddle Black Comprehensive
Agreed or Market
Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia).

Who it might be good for: Those who want top cover for their car.
Get QuoteView details
Real Pay As You Drive
Real Pay As You Drive
Optional
Agreed or Market
Only pay for the kilometres you plan to drive.
View details
Australian Seniors Pay As You Drive
Australian Seniors Pay As You Drive
Optional
Agreed
Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
View details
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Compare KOBA car insurance policy options

Product FCI Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
KOBA Pay per KM
KOBA Pay per KM
Agreed
Summary: KOBA uses a pay-per-km system – ideal if you drive less. Its app is easy to use and costs can be as cheap as 3¢ per kilometre.

Who it might be good for: Those who don't drive long distances, such as city drivers.
View details
KOBA EV Comprehensive Car Insurance
KOBA EV Comprehensive Car Insurance
Optional
Agreed
Summary: Smart Comprehensive car insurance designed for EV drivers. Currently available for Tesla vehicles.

Who it might be good for:Tesla owners who want cover tailored for electric vehicles.
View details
KOBA Uber Carshare
KOBA Uber Carshare
Agreed
View details
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What additional cover options are available?

KOBA offers some optional add-ons to further customise your policy, including:

  • Choice of repairer. Choose any licenced EV repairer to fix your vehicle. (Only available on electric vehicle insurance policies).
  • Hire car or alternative transport. Get reimbursed for travel costs of Up to $70 per day - Up to 14 days if your car is being repaired as a result of an incident other than theft.
  • Excess free glass cover. Don't pay an excess if your windscreen, sunroof, or window glass needs repaired or replaced without any other damage to your car.

FAQs about PD car insurance

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 237 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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3 Responses

    Default Gravatar
    IgorJanuary 17, 2024

    I wish to ensure my skoda octavia 1.4 tsi 2020, do you do agreed value on this car, and what is the price
    Thank you

      AvatarFinder
      PetaJanuary 29, 2024Finder

      Hi Igor,
      To get a quote you’ll need to visit Koba’s website and fill in the quote form. This page is just Finder’s review of Koba car insurance.
      Thanks!

    AvatarFinder
    PetaJanuary 15, 2024Finder

    Hi Terena, younger drivers are typically harder to insure because they’re seen as more risky to insurers but if your son has a clean driving record then it should still be achievable. You might find this page more helpful: https://www.finder.com.au/car-insurance-for-p-platers
    I hope this helps!

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