Carpeesh Car Insurance Review April 2021 | Finder

Carpeesh car insurance

Carpeesh car insurance has a policy for many types of drivers, from ridesharing to youngsters. Find out if they have one for you. 

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Carpeesh is a unique car insurer because they use a driver safety app, which then tracks how you drive and can save you money if you're a good and safe driver.

Carpeesh car insurance has four comprehensive policies tailored to specific drivers. If you're a good driver, young driver, or you need your car for work or ridesharing, they have a policy designed for you. If you don't use your car for commuting to work, you might be able to get a cheaper policy.

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What cover does Carpeesh Car Insurance offer?

Carpeesh has four available cover types. When you take out a policy, you will qualify for a cover type based on the information you provide in your application. The cover type you qualify for will be set out in your Policy Certificate. The four cover types are:

  • Good driver.
    • Private use. This cover is for cars where all listed drivers are aged 26 or older who use their car for social or domestic purposes. This does not include travel between home and work.
    • Private and commuting use. This cover is for cars where all listed drivers are aged 26 or older who use their car for social or domestic purposes and for travel between work and home, or for limited business use of no more than four trips per month.
  • Young driver.
    • Private use. This cover is for drivers 25 years or younger who use their car for social or domestic purposes. This does not include travel between home and work.
    • Private and commuting use. This cover is for drivers 25 years of age or younger who use their car for social or domestic purposes and for travel between work and home, or for limited business use of no more than four trips per month.
  • Worker. This is for cars that are used for both work and domestic purposes. This can include full-time, part-time or casual work, but not ridesharing services.
  • Rideshare. This is for cars used by listed drivers to perform the task of carrying passengers for payment for rideshare or carpooling app services, like Uber, as well as for their own domestic purposes and commuting. It's not designed for cars used exclusively for taxi or chauffeur services.

What do Carpeesh policies cover?

Here are some of the features you'll get with all Carpeesh policies.

  • No excess where you're not at fault. You won't have to pay an excess for an incident where Carpeesh agrees that you or the driver of your car was not at fault.
  • Cleaning and repair if your car is stolen and recovered. If your car is stolen but later recovered and Carpeesh haven't paid a claim for the theft, they will have your car cleaned for you and replace broken glass and other damage. No excesses apply to this benefit.
  • Personal effects damaged in a collision will be replaced, up to a specified amount. Get up to $250 for damage to personal effects that were in your car.
  • Cover for removal of debris at the site of an incident. Debris removal at the site of an incident covered up to a maximum of $350.
  • Repair or replacement of roof or bicycle racks. Get up to $250 for the repair or replacement of roof racks or bicycle racks.
  • New car changeover. If you buy a new car, they will cover your old car listed on your Policy Certificate for up to 14 days after you replace it.
  • Emergency travel and accommodation cover. Get up to $100 per day and up to a total of $750 for emergency travel and accommodation expenses if you're more than 150km from home and your car is stolen or not drivable.
  • Towing on non-driveable cars after an incident. Towing costs covered by a towing service approved by Carpeesh. A limit of up to $250 applies.
  • Replacement keys if they're stolen. Up to $700 towards replacing, re-coding or re-keying locks. This does not include misplaced or lost keys.
  • Trailer coverage. A limit of $500 for loss or damage to a trailer which is owned by you and is attached to your car and being used for private use only.
  • Replacement new car after a total loss. Replacement of your car after total loss if your car was less than two years old at the time of the incident and you purchased it new
  • Hire car after theft. They will pay for the hiring of a car similar to yours, or up to a limit of $40 per day or $750 in total for the period you need a hire car.
  • Window glass replacement (an excess will likely apply). Cover for the replacement of a front windscreen and all window glass, regardless of the number of incidents that result in a claim.
  • No excess window glass repair. If a windscreen or window glass is damaged in an incident covered by your policy and can be repaired, rather than replaced, no excess applies.

What else can I get with a comprehensive policy?

Depending on the policy you purchase, you might also be entitled to the following benefits. Otherwise it can be added-on to your policy.

  • Recovery of injured wildlife. Carpeesh will cover you up to $100 towards animal road recovery by the local wildlife group if an animal that is not your pet is injured in an incident covered by your policy. If they can't retrieve the animal, they'll donate $100 towards a wildlife recovery centre in your state. This is included with most policies.
  • Hire car benefit after an accident. This is included as a standard benefit with worker and rideshare cover types and an optional extra with good driver and young driver policies. It covers you for a hire car for up to 14 days, up to a limit of $750 after an insured event.
  • Optional Windscreen benefit. You can reduce your excess for windscreen or window damage if you choose the Optional Windscreen benefit.

What exclusions should I be aware of?

Every insurance policy has exclusions. The following list highlights some of the exclusions in Carpeesh's car insurance policies.

  • Your car was used by an unacceptable driver e.g. the person in control of the car is not licensed or not complying with the conditions of their licence,
  • Your car was used as a courier or delivery car, unless you have taken out the rideshare cover.
  • Loss or damage as a result of any intentional or reckless act(s) or acts by you or an insured person.
  • Loss or damage to the tools of trade of your business carried in your car.
  • Loss or damage to your car if it is being used to store or transport dangerous goods.
  • You damage your car by using incorrect fuel.
  • If damage occurs by any driver excluded by age.

For a full list, be sure to read their product disclosure statement (PDS).

Compare other Australian car insurance providers

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
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Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
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Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Poncho Comprehensive
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Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Qantas Comprehensive
Optional
Optional
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Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
ahm Comprehensive
Optional
Both
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums plus you can get up to 15% off when you purchase a new car insurance policy. T&Cs apply. Additionally, their Fixed Kilometre Plan can save you up to 30% compared to their standard comprehensive cover.

Who it might be good for: People who drive less than 15,000 km per year.
Virgin Comprehensive
Optional
Optional
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Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
QBE Comprehensive
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Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. Get $50 cash back when you purchase online between 1 April – 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
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