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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.

We don't currently have this brand on our panel. But don't fret! You can head to the Carpeesh car insurance website or compare a bunch of other car insurance companies with finder.

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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 $500 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 compact car, for 14 days up to a limit of $750 in total.
  • 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
Agreed or Market
Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
ROLLiN' Comprehensive
Agreed
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Bingle Comprehensive
Market
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $80 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 30,000 Qantas Points with every Qantas Car Insurance policy you take out by 28 May. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
ahm Comprehensive
Optional
Agreed or Market
Finder's summary: Its "pay as you drive" cover can save you up to 30% compared to its standard comprehensive cover. There's also no excess to pay if you hit a Kanga or other animal.

⭐ Current offer: Get 12 months of roadside assistance included when you take out a new comprehensive car insurance policy. T&Cs apply.

Who it might be good for: Rural drivers and those who drive less than 15,000 km a year.
Club Comprehensive 4x4 Insurance
Optional
Agreed or Market
Finder's summary: With Club 4X4, you can take advantage of Australia-wide cover for your 4WDs or 4x4. Importantly, insurance extends to modifications and accessories. Also, get peace of mind with personal effects cover of up to $2,000, plus, up to $1500 towards the cost of recovering your off-road vehicle if you get in trouble.

Who it might be good for: Drivers of 4WDs or 4x4s looking for wide-ranging protection ahead of their next driving adventure.
Coles Comprehensive
Optional
Agreed or Market
Finder’s summary: Mid-range cover and price but very good for perks. Double Flybuys points and $10 off at Coles every time you redeem 2,000 points, plus 1-week turnaround on repairs.

⭐ Current offer: 15% off your first year’s premium when you take out a policy online. T&Cs apply.

Who it might be good for: Those who want a wide-ranging policy with added bonuses that allow savings on everyday bills.
Bupa Ultimate
Agreed or Market
Bendigo Bank Comprehensive
Agreed or Market
Finder's summary: On top of the essentials, cover includes a nationwide repair network, 3-year new car replacement and up to $30m in liability insurance.

Who it might be good for: Those wanting peace of mind with lots of benefits.
Huddle Black Comprehensive
Agreed or Market
Finder's 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.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Poncho Comprehensive
Poncho Comprehensive
Agreed
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.
PD Comprehensive
Optional
Agreed or Market
Finder's summary: PD comprehensive car insurance policy lets you buy, manage, and start your claims process online. It includes cover for emergency repairs up to $500 and free windscreen chip repair. Ability to customise your extras cover.

Who it might be good for: Those with low claims history and the only driver.
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. It's 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 its Pay As You Drive policy.
Huddle Comprehensive
Optional
Agreed or Market
Finder's summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs.

Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.
ING Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: A policy with high benefit limits included as standard with plenty of optional add-ons.

⭐ Current offer: Save 15% on your first year’s premium when you buy a new ING comprehensive car insurance online. T&Cs apply.

Who it might be good for: Drivers who like the ability to tailor their cover with lots of optional extras like windscreen damage and roadside assistance.
Hume Bank Comprehensive
Agreed or Market
Finder's summary: Hume's highest level of cover includes up to $500 for emergency repairs, up to $1,000 for re-keying/re-coding stolen keys, 14 days temporary cover on replacement vehicle, and more.

⭐ Current offer: Save up to 10% on your first year’s premium when you buy a new comprehensive car insurance policy online. T&Cs apply.

Who it might be good for: People prepared to name specific drivers on their policy for lower premiums.
Australian Seniors Comprehensive
Optional
Agreed or Market
Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover.

⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.

Who it might be good for: People over 50 years old looking for flexible cover options.
Allianz Comprehensive
Agreed
Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

Who it might be good for: Anyone who wants good customer service and agreed value cover.
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