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Carpeesh Car Insurance

Carpeesh uses telematics technology to reward safe driving behaviour and offers comprehensive coverage for a wide range of drivers. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Carpeesh is an Australian car insurance provider that rewards safe driving behaviour with lower premiums. Underwritten by RACQ, its policies use telematics technology to track driving habits and cater to a wide range of drivers, from young drivers to daily commuters and individuals using their vehicles for work.

We’ve broken down Carpeesh’s products in this review so you can understand its car insurance options. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by Carpeesh is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Carpeesh if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Carpeesh for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Carpeesh?

Carpeesh offers only comprehensive car insurance, with four types of cover available depending on your circumstances:

Comprehensive

Carpeesh’s Comprehensive policy provides coverage for both loss of or damage to your car and any damage caused to another person’s car or property through the use of your car. The following types of cover are available:

Good Driver

This cover is only for drivers aged 26 or above, either for solely private use if the car is used for social, domestic and pleasure purposes, or for private and commuting use if the car is also used to travel between home and your place of employment, work or education.

Young Driver

This cover is only for drivers aged 25 or below using the car for private use or for private and commuting use.

Worker

This cover is designed for cars used for social, domestic and pleasure purposes, as well as for performing a job or earning an income – but not ridesharing or food delivery or courier services. It is available to drivers of all ages.

Rideshare

Designed for cars used by listed drivers for rideshare or carpooling services, as well as for social, domestic, pleasure and commuting purposes, but not for food delivery or taxi services. It is available to drivers of all ages.

All types of cover have the following inclusions:

  • Option to choose between agreed or market value for your car
  • No excess when you are not at fault
  • Cleaning if your car is stolen and recovered
  • New car changeover for up to 14 days
  • Towing and storage coverage, up to $500
  • Emergency repairs after an incident, up to $500
  • Coverage for baby capsules and child seats, up to $500
  • Debris removal at the incident site, up to $350
  • Repair or replacement of roof or bicycle racks, up to $250
  • Coverage for personal effects damaged in a collision, up to $250
  • Emergency travel and accommodation coverage, up to $100 per day up to a maximum of $750 if more than 150km from home
  • Replacement keys for your car, up to $700
  • Coverage for trailers, up to $500
  • Replacement new car after total loss if the car is less than two years old
  • Hire car after theft, for up to 14 days or $750
  • Recovery of injured wildlife, up to $100 to the local wildlife group
  • Window glass repair (no excess) and replacement coverage (excess may apply)

Are there any optional extras available through Carpeesh?

Yes – Carpeesh offers the following optional extras:

  • Windscreen benefit: reduce your excess for windscreen or window damage (not sunroofs) – available on all types of policy
  • Hire car after an incident (other than theft): cover for up to 14 days with a $750 limit – available on Good Driver and Young Driver policies; included as standard on Worker and Rideshare policies
  • Variable excess benefit: select a higher excess to lower your premium – available on Good Driver, Worker and Rideshare policies

What are some of the pros and cons of buying car insurance through Carpeesh?

  • Policies tailored to your circumstances: there are different types of cover available depending on your age and what you use your car for.
  • Driver Safety App rewards good driving: Carpeesh’s app tracks your driving data, allowing you to earn driving points and reduce your premium.
  • Lifetime repair guarantee: authorised repairs on your car are guaranteed for as long as you own the car, ensuring the quality of workmanship and materials.
  • Limited personal effects cover: personal effects are only covered up to $250, and are only covered if they are damaged in a collision.
  • Only comprehensive cover available: there is no option to take out third-party policies with Carpeesh.

Common questions about Carpeesh car insurance

How does the Carpeesh Driver Safety App work?

When you take out a policy with Carpeesh, you will need to download its Driver Safety App. This takes samples of your driving data so you can build up DrivePoints, and also allows you to access and update your policy details and report a claim at the scene.

The app is available for download on both Android and Apple mobile. You must download and link the app within 14 days of the policy start date to assess your rating; failure to do so may result in a Carpeesh driver safety app excess for claims.

What are DrivePoints?

DrivePoints is the rating system used by Carpeesh to assess the driving behaviour of insured individuals. It is based on specific driving skills and habits recorded in the Carpeesh driver safety app, with scores ranging from 0.1 (lowest) to 5.0 (highest).

How do I make a Carpeesh car insurance claim?

You can lodge a claim 24/7 using one of the following methods:

  • Carpeesh Driver Safety App
  • Via the website
  • By phone
What excesses may apply to my Carpeesh car insurance claim?

The following excesses may apply:

  • Standard excess: applies to all incidents involving loss or damage to your car
  • Optional variable excesses: choose a higher excess to reduce premiums
  • Age excess: Applies when the driver is under 26 years old and not a learner driver
  • Inexperienced driver excess: applies if the driver has held a licence for less than two years
  • Non-listed driver excess: applies when the car is driven by someone not listed on your policy, except for learner drivers or in specific circumstances
  • Off road excess: applies to loss or damage while driving on beaches, off public roads or on land not belonging to you.
  • Carpeesh Driver Safety App excess: applies if the app is not downloaded and linked within the 14-day grace period
Does Carpeesh have a no-claim discount?

No – instead of using no-claim discounts, Carpeesh rewards drivers for safe driving. Drivers with a higher DrivePoint score can get cheaper premiums when their policy is up for renewal.

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Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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