UbiCar is here to disrupt the Australian car insurance market. We utilise state-of-the-art mobile telematics paired with industry-beating pricing algorithms to benefit end consumers with car insurance that is cheaper, dynamic and based on users' driving behaviours. Too often young drivers are actively discriminated against based on outdated insurance pricing models. They are forced to pay excessive premiums and regardless of how well they are profiled (i.e. surveys, outbound calling, etc.) – this has little bearing on current and future pricing. Good drivers, regardless of their age, end up subsidising bad drivers.UbiCar's aim is to change this. Using mobile telematics to inform pricing algorithms, we are able to provide industry beating premiums using dynamic pricing models that change monthly, not annually. We aim to reward good drivers and change driving behaviours of those that can massively improve and benefit.Improving driver behaviour and keeping our roads safe is the ultimate result when implementing UbiCar's technology (includes mobile telematics, IoT, mobile sensing and machine learning) driving behaviour has reduced phone distraction, hard braking, at-risk speeding and other adverse driving behaviours.