Insurance made for Carsharers

Comprehensive insurance for people who share their car and need cover for their own use outside of bookings.

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Designed with Uber Carshare. Uniquely
integrated with its Instant Keys technology.


Traditional insurers might not cover your car if you share it.

Some personal comprehensive insurance policies won’t give you any cover at all if you rent your car out – and policies that do, can cost you an arm and a leg.

When your car is on an Uber Carshare booking, it’s covered for damage and loss. But what about cost-effective insurance cover for your own driving, and to protect your car while it’s parked outside of bookings?

That’s where KOBA comes in.


How it works

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1/ Designed for car sharing

Uniquely designed with Uber Carshare, KOBA offers car share owners pay-per-KM insurance when they’re using their car.

Owners get comprehensive coverage which covers their car while it’s parked outside of bookings, and a unique per-KM rate for insurance while driving.

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2/ Synced with instant keys technology

KOBA works with Uber Carshare’s Instant Keys GPS device~.

By automatically switching between KOBA and Uber Carshare, our integrated tech distinguishes when your car is used for personal use and measures the KM you drive so you pay for the insurance you use.

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3/ Pay for the insurance you use

As a KOBA customer, you pay from a few cents per KM you drive, and an upfront cost to cover your car while parked for incidents like theft, fire, hail etc.

Download the KOBA app to track trips, costs and policy docs.

See if you could pay less for car insurance &
pocket more while car-sharing.

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How do I join?
KOBA Insurance app and Uber Carshare Instant Keys device
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1/ Sign up

Get a quote and join KOBA today.

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2/ Plug in

Make sure your GPS device from Uber Carshare~ is plugged in, or ordered.

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3/ Download our app

Download KOBA’s smartphone app to track your trips, costs & policy docs.

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4/ Drive per usual

KOBA has you covered from your policy start date.


What’s included in my coverage?

This product only covers your car for loss or damage outside of Uber Carshare Bookings. Terms, conditions, limits and exclusions apply. For full details, please read our Product Disclosure Statement.

Get comprehensive cover that covers your car and damage you might cause to other people’s property when you’re using the car. 

Pay a few cents per kilometre you drive and an upfront fixed cost to cover you while parked for things like theft, hail, fire, etc. 

Cost of repairing or replacing your car should loss or damage occur due to an incident such as collision, theft, vandalism, storm, hail, flood or fire for example.

Up to $20m legal liability cover for damage your car might cause to other people’s vehicles or property.

A lifetime guarantee on repairs that we authorise under a claim for as long as you own the car.

If your car is written off in the first 24 months of its registration and has less than 40,000KM on the odometer, we’ll replace it with a new one.

Reasonable costs of towing and storage following an incident we cover.

We’ll reimburse costs for a hire car or alternative transport if your car is stolen, up to $70 per day for a maximum of 14 days.

You can choose an Agreed value for your car so you always know what your car is covered for.

We automatically cover the standard accessories and options as supplied by the manufacturer.

Please note there are some vehicle accessories that we class as modifications and we do not offer cover for cars with those modifications. We list these modifications when you get a quote or buy a policy from us.

We pay for damage to baby seats as a result of a claim up to $500 per item and a maximum of $1,000 in total.

Up to $500 for your accommodation and emergency travel if you are more than 200 kilometres from home and your car cannot be driven.

Hire car or Alternative transport

If your car is being repaired or recovered as a result of a claim, we’ll reimburse you for the costs of any hire car or alternative transport during that time up to $70 a day for a maximum of 14 days.

Excess-free Glass cover

You won’t pay an excess if you make a claim for damage that only affects your windscreen, sunroof or window glass and no other parts of your car.


Yes. As we rely on the telematics to help distinguish between an owner and a borrower, we need your car to be registered on Uber Carshare and the Instant Keys kit ordered, or with the GPS device already plugged in.

Car-share owners using Uber Carshare’s Key handover option are not currently eligible for KOBA.

While your car is being borrowed, all trips with Uber Carshare include damage and loss cover from Mobility Mutual.

As a car owner however, you’ll likely still drive your car from time-to-time and will need your own insurance to cover your car outside of bookings.

If you have more than one car, you’ll need to buy one policy per car. Watch this space for the ability to add more than 1 car to a policy.

Unfortunately no. KOBA doesn’t offer cover for cars that were not sold new in the Australia because it can be difficult to work out the value of the vehicle and find parts in the event of damage.

If your circumstances change and you delist your car from car-sharing, your Car Sharing Owner-use policy comes to an end but if you would like to stay with KOBA, get in touch with our friendly customer service team to see if you’re eligible for our other products.

Our Car Sharing Owner-use cover is uniquely designed to work with Uber Carshare’s Instant Keys GPS device. Our cover is not available if you are using Car Sharing platforms other than Uber Carshare.

Want to learn more? Check out our FAQs

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