Koba Car Insurance
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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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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.

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
KOBA Pay per KM
  • If your car is written off in the first 2 years
  • Finder's 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 Gold Low Kilometres Comprehensive
    Optional
  • If your car is written off in the first year or is under 20,000 km
  • Optional
    Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
    Huddle Black Comprehensive
  • If your car is written off in the first 3 years
  • 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.
    Real Pay As You Drive
  • If your car is written off in the first 2 years
  • Optional
    Only pay for the kilometres you plan to drive.
    Australian Seniors Pay As You Drive
  • If your car is written off or stolen in the first 2 years
  • Optional
    Save up to 20% when you buy online.
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    Compare KOBA car insurance policy options

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    KOBA Pay per KM
  • If your car is written off in the first 2 years
  • Up to $70 per day - Up to 14 days
  • Finder's 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 EV Comprehensive Car Insurance
  • If your car is written off in the first 2 years
  • Up to $85 - Up to 14 days
  • Finder's summary: Smart Comprehensive car insurance designed for EV drivers. Currently available for Tesla vehicles.

    ⭐ Current offer: Purchase a new KOBA EV Insurance policy before May 22, 2024 to go into the draw to win public charging for 10 years. T&Cs apply.

    Who it might be good for:Tesla owners who want cover tailored for electric vehicles.
    KOBA Uber Carshare
  • If your caravan is written off in the first 2 years
  • Up to $70 per day - Up to 14 days
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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.

    Why you can trust Finder's car insurance experts

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    4 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!

      Default Gravatar
      terenaDecember 23, 2023

      Hi im having difficulty finding insurance for my 19 year old son mercedes sprinter Van not for business use do you have any advice please

        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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