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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Koba Car Insurance

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.

Product FCI Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Koba Car Insurance logo
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.
Budget Direct logo
Optional
Optional
Agreed or Market
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Huddle logo
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.
Real logo
Optional
Agreed or Market
Only pay for the kilometres you plan to drive.
Australian Seniors logo
Optional
Agreed
Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
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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 Car Insurance logo
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.
Koba Car Insurance logo
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.
Koba Car Insurance logo
Agreed
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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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Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 242 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/car-insurance-for-p-platers
    I hope this helps!

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