Rollin' car insurance review: cover, features and how it compares
A plain-English overview of Rollin' car insurance in Australia, a digital-first comprehensive insurer that rewards safer driving with monthly premium discounts through its Safe 'n Save app program.
Overview
Rollin' is a digital-first Australian car insurance brand built around comprehensive cover and an app-based driving-rewards program called Safe 'n Save. Rather than charging a flat annual premium, Rollin' scores driving behaviour each month and applies a discount to the next month's premium based on how safely you and your Listed Drivers drive.
Like other Australian car insurance brands, Rollin' is underwritten by a partner insurer that's disclosed in the PDS. The PDS is the source of truth for cover terms, exclusions, and exactly how Safe 'n Save scoring, monthly billing and discount tiers work.
Who Rollin' car insurance may suit
- Drivers confident in their driving who want a discount that reflects how they actually drive
- People comfortable with a fully digital experience (app and web) for quoting, billing and claims
- Customers wanting month-to-month flexibility rather than an annual lock-in
- Households where all Listed Drivers are happy to run the app while driving
Who it may not suit
- Drivers uncomfortable with telematics-style behaviour tracking via an app
- People who prefer branch or phone-led service over digital channels
- Customers who want one predictable annual premium rather than a discount that varies month to month
Cover types offered
Rollin' typically offers the following cover types. Specific inclusions, exclusions and limits sit in the Rollin' PDS for each product.
- Comprehensive car insurance
- Third party property
- Third party fire and theft
For background on what each cover type means, see our explainers on comprehensive car insurance and third party car insurance.
Key features
The Rollin' app tracks driving behaviour, phone use, braking, speeding, acceleration and cornering, and scores it out of 100 each month. Your score determines the discount applied to next month's premium. Optional for personal-use policies and required for business-use policies.
Score 95+ earns 15% off the base premium, 90 to 94 earns 10%, 85 to 89 earns 5%, and below 85 earns no discount. For the first two consecutive monthly policies, a 10% intro discount applies before your score takes over from month three.
Policies are billed monthly with no cancellation fees or lock-in contract. Cover continues each month while the policy is active.
All Listed Drivers should have the Rollin' app installed and running while driving. A 'no trip data' excess can apply at claim time if app data isn't available.
Claims are lodged through the Rollin' app or web portal, with the underwriting insurer handling assessment and repair coordination. Safe 'n Save driving data isn't used in claim assessment.
Standard and voluntary excess choices apply at quote stage, with age-based and inexperienced driver excesses commonly stacking per the PDS.
Pricing positioning
Rollin' positions itself for safer drivers who want premium discounts tied to actual driving behaviour. The maximum 15% Safe 'n Save discount can make Rollin' competitive against mainstream brands for higher-scoring drivers; for drivers who score below 85 each month, the model can work out closer to flat-rate pricing. Quoting Rollin' alongside both budget and mainstream brands using identical inputs gives the cleanest read.
For more on what shapes premiums in general, see our pages on car insurance cost and lowering your premium.
Pros and cons
- Up to 15% monthly discount on the base premium for higher-scoring drivers, via the Safe 'n Save app
- Month-to-month policies with no lock-in and no cancellation fees
- Fully digital experience for quoting, billing and claims, available via web and app
- Safe 'n Save driving data isn't used when claims are processed
- Comprehensive cover available, underwritten by a partner insurer
- Telematics-style app tracking won't suit privacy-conscious drivers
- A 'no trip data' excess can apply if Listed Drivers don't run the app while driving
- Monthly discount can vary, making total annual cost less predictable than flat-rate brands
- Newer brand with a shorter Australian track record than mainstream incumbents
How Rollin' compares with other Australian insurers
Rollin' is most usefully compared against other digital-first brands like Bingle, Budget Direct and Youi on price for a confident-driver profile, and against mainstream insurers like AAMI, NRMA or Allianz on features and claims experience. For Safe 'n Save to pay off, the headline monthly saving needs to outweigh any quote-stage gap to a budget brand, so quoting all three using identical inputs gives the most honest read.
Related provider reviews worth comparing:
Useful background reading:
Frequently asked questions
Compare your options
The cleanest way to test whether Rollin' is competitive for you is to quote it alongside a couple of other insurers using identical inputs. The pages below cover both the comparison framework and the quote process.
CoverScout may receive a commission or referral fee when you click through or apply for certain products. This does not change the price you pay. Our guides are written to help users compare options, but we may not compare every provider in the market.