Not afraid to do things differently, Carpeesh is a fairly new insurance brand shaking things up in the car insurance industry, backed and underwritten by RACQ Insurance.
Carpeesh’s innovative app has some handy features, like the ability to update your policy details, report an incident and make a claim right there and then. It also has a tool to track your driving trips and earn rewards for good driving.
Carpeesh understands that modern drivers use their cars for all kinds of different reasons – from commuting to ridesharing – and offers relevant insurance products for different types of drivers and car owners.
Carpeesh has a unique approach to car insurance. They offer one level of cover (comprehensive), but provide six policies to choose from under that umbrella. All policies require the use of Carpeesh’s driver safety app, which tracks a host of factors about how the vehicle is driven.
The key differences between the policies are how customers use the car and what age the driver is. Young Driver policies apply to anyone age 25 or less, while other policies cover drivers 26 and over.
The table below details which policies suit which drivers and uses.
| Policies | Private use | Commuting to work | Work purposes | Ridesharing |
| Good Driver (private use) | ✓ | ✗ | ✗ | ✗ |
| Good Driver (private and commuting) | ✓ | ✓ | ✗ | ✗ |
| Young Driver (private use) | ✓ | ✗ | ✗ | ✗ |
| Young Driver (private and commuting) | ✓ | ✓ | ✗ | ✗ |
| Worker | ✓ | ✓ | ✓ | ✗ |
| Rideshare | ✓ | ✓ | ✓ | ✓ |
| Information is accurate as of October 2022 and is subject to change. For all the details of the policy benefits and exclusions, read the Product Disclosure Statement (PDS). | ||||
All of Carpeesh’s car insurance policies include the following comprehensive coverage:
Carpeesh offers a few optional benefits for customers to add to their car insurance policy at an extra cost.
Hire car cover | Windscreen excess reduction |
| This benefit pays for a hire car for a set period while your car is repaired or replaced following an accident. Included as standard on Worker and Rideshare policies. | If the only loss or damage to your car is a window or the windscreen, this optional extra reduces the excess. Terms and conditions apply. |
Australians choose Carpeesh car insurance for a number of reasons. Some of those reasons might be:
You can pay your Carpeesh car insurance premium fortnightly, monthly or annually via direct debit or a POLi electronic funds transfer. If you pay your car insurance premium annually, it’s cheaper than paying fortnightly or monthly.
The easiest way to make a claim with Carpeesh is through the Carpeesh app, which allows you to make a claim at the time of the incident. You may also be able to submit a car insurance claim through the Carpeesh website or by calling up the claims team.
If you’re not a Carpeesh customer but are involved in an incident with someone who has Carpeesh car insurance, you can record a third-party report by filling out an online form with the relevant information on the Carpeesh website.
You will usually have to pay a standard excess when you make a claim with Carpeesh. Depending on the circumstances of the claim, you may have to pay a number of additional excesses as well, which could include:
You can cancel your Carpeesh car insurance anytime by using the app, going online through Carpeesh’s website or contacting Carpeesh directly by phone or email. Carpeesh customers receive a 14-day cooling-off period when they first sign up, which allows you to cancel your car insurance policy with Carpeesh for a full refund.
If you cancel a policy paid for annually after that cooling-off period, you could face a cancellation fee.
You can easily manage your Carpeesh car insurance policy through the Carpeesh app or website, which allows you to change your policy details at any time. You should update your policy each time your circumstances change (e.g. you move house or have a learner driver use your car), so Carpeesh can adjust your premiums to reflect your new situation.
Regardless of which policy you buy from Carpeesh, you’ll need to use their driver safety app. Not only does the app provide 24/7 access to claims and policy management, but it also tracks the driving of all listed drivers on your policy. It then provides each one with a rating called DrivePoints, which are based on the driving patterns of everyone who uses the car.
When it comes time to renew your policy or make changes to your car insurance, Carpeesh will use this rating to help reduce the premiums you pay if you have a good DrivePoints score. A score of 0.1 is the lowest possible score, while 5.0 is the best possible score.
Carpeesh calculates DrivePoints based on trip data collected by the app, which includes:
In all, there are many aspects of driving behaviour the app will collect and run through its complex algorithms.
Carpeesh’s Good Driver and Young Driver private use policies are designed for people who may not drive all that much or use alternative means to get to work or their education campus, such as walking, cycling or catching public transport.
By not covering commuting or work travel, these policies not only encourage customers to reduce their reliance on cars to get around (therefore reducing emissions and congestion on the roads), but also offer a cheaper premium by only covering specific uses.
You can compare policies from Carpeesh alongside a range of Australian insurers with ease. We make it easy to compare policies with information about their coverage, prices, excess payments, optional extras and more.
It only takes a few minutes to compare, so why not see what we have to offer today?
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