Koba Car Insurance

KOBA car insurance review

KOBA is one of the few insurers to offer pay-per-km cover, making it ideal for anyone who drives less.

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Our Verdict

  • It's one of the few insurers to let you pay-by-kilometre – ideal if you drive less.
  • It measures your car usage, so you pay a small fixed fee to cover your car while parked and a few cents for each kilometre you drive.
  • It only offer comprehensive cover, so look elsewhere if you just want third party only cover.

Review by our insurance writer Gary Hunter

Compare KOBA car insurance policies

Name Product Accidental Damage Roadside Assistance Fire and Theft New car replacement Hire Car After Theft
Koba Pay per KM
Koba Pay per KM
Yes - If your car is written off in the first 2 years
Up to $70 per day (Max 14 days)

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A breakdown of KOBA car insurance inclusions

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Standard features

KOBA's comprehensive insurance policy come with the following features:

  • Theft, hail, fire, or third party damage
  • Loss or damage to other people's property
  • New car replacement
  • Hire car or alternative transport after theft.
  • Accessories included
  • Emergency travel + accommodation
  • Loss or damage to your car
  • Lifetime repair guarantee
  • Towing costs
  • Agreed value
  • Baby seats

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Optional add-ons

KOBA offers similar optional add-ons as other car insurers – most don't automatically cover you for these features. You can pay extra to get covered for the following:

  • Hire car or alternative transport worth $70 a day for up to 14 days, if your car is being repaired or recovered as a result of a claim.
  • No excess for windscreen + window glass cover

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Like all insurers, there are some incidents you won't be covered for. With KOBA, these include:

  • Your car being used for any unlawful purpose
  • Your car being used in racing, trials or rallies
  • Your car being used in connection with the motor trade (except for repairing or servicing)
  • Your car being used to carry passengers or other people's goods for payment
  • Your car being driven by someone under the influence of alcohol or drugs
  • Your car being driven in an unsafe, unroadworthy or overloaded condition
  • Tyre damage caused by punctures, bursts or cuts
  • Consequential loss
Keep in mind that you'll generally have to pay an excess whenever you make a claim. This is an amount you need to contribute towards the cost of a claim. It's standard among all insurers and will be outlined to you when you sign up.

Bottom line about KOBA car insurance

KOBA is ideal if you're a low usage driver as you only pay for what you use. Customers who drive less than 6,000km per year could make some big savings compared to a traditional car insurance policy. It's also good for letting you keep track of your trip costs, including petrol spend, and it caps your km charge if you drive more than 250km in a day. However, if you're just looking for sign-up discounts and more traditional cover, then you may want to look elsewhere.

If you're not yet ready to take out cover, you can compare car insurance policies side-by-side here.

FAQs about KOBA car insurance

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