Real Insurance car insurance

Real Insurance hit the Australian car insurance scene in 2005 with a host of good value-for-money products. The company focuses on tailored, flexible policy options across their insurance offerings. So if you love your wheels but don’t want to pay through the nose to keep them safe, check out the Real Insurance policy options below.

Real Insurance offers the following car insurance policies

Rates and fees verified as correct at 25 November, 2020. Other information correct at the time of writing. Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance

Yes costs extra

Not Published

5%

No

Pay As You Drive Car Insurance

Yes costs extra

Not Published

5%

No

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What is Real Insurance?

Real Insurance is a relatively new provider on the Australian insurance market offering cover for your car, as well as home and landlord insurance, life insurance and even cover for your pet’s health.

In the car department, they offer every policy level from third party property damage insurance up to comprehensive cover. Real Insurance also claims to have been the first Australian provider offering pay-as-you-drive insurance, introducing the policy adaptation in 2008.

What does a Real Insurance comprehensive car policy cover? 

When you take out a Comprehensive Car Insurance policy with Real Insurance, you’ll be covered for damage done to your car and other vehicles when you have an accident. You can also rest easy knowing your wheels are insured against damage caused by fire and natural events like storms, as well as malicious damage and theft.

As with all insurance policies, this won’t include every event or item, so be sure to check your Product Disclosure Statement (PDS) for coverage limits and conditions. Some things you can expect to be covered as standard include:

How does pay-as-you-drive cover work at Real Insurance?

Comprehensive cover is a good option for people who use their car often and want cover for all different kinds of incidents. But if you don’t drive that often you might be better off opting for a pay-as-you-drive policy. This policy covers the same events and items as a comprehensive one, but you’ll get a discount for driving a limited number of kilometres.

Here’s how it works: you select the number of kilometres you think you’ll drive in a year. Your premium will be adjusted to reflect how much you drive – the less you drive, the less you pay.

If you go over your selected amount of kilometres you’ll still be covered, but there will be an extra excess applied to any claims you make. Or, if you realise you’re going to go over your set kilometres before you do, you can extend your cover and pay an extra premium.

What discounts are available with Real Insurance?

Real Insurance focuses on providing cheaper cover overall, rather than offering incentives like a no-claim bonus. However, there are still ways to save on your premium. 

Simply by applying for your policy online, you can score up to a 10% discount for the first year of cover. You might also consider opting for a high excess to get a lower premium in return, or choose the pay-as-you-drive policy option.

How does Real Insurance calculate my premium?

Your car insurance premium will depend on a wide range of factors. Generally, the amount you pay depends on how likely the insurer thinks it is you’ll have to make a claim at some point. Things they might look at to work it out include:

With Real Insurance Pay As You Drive cover, how often you use your car and how far you drive will also be big factors in how your premium is worked out.

Making a car insurance claim with Real Insurance

Accidents happen, and you may need to make a claim on your Real Insurance policy. You can do so over the phone or online, and when you do, make sure you have:

Real Insurance FAQs

What excess options does Real Insurance offer?

As with most car insurers, when you take out a policy with Real Insurance, you can opt for a high or low excess. If you choose a low excess, you’ll pay a higher premium and vice versa.

Keep in mind there’s an extra excess for drivers under 25, learner drivers and for those who have held a licence for less than two years. If a young driver isn’t listed on your policy, you may be charged an additional excess as well.

What can I include as an optional extra?

Whether you’re taking out the standard comprehensive cover or the pay-as-you-drive option, there’s plenty of features to add onto your policy. Optional extras include: 

  • cover for car modifications

  • roadside assistance 

  • car hire for occasions other than theft, or for longer periods

  • Excess-free windscreen repairs.

What isn’t covered through a Real Insurance policy

There are some things your Real Insurance won’t cover, including:

  • Normal wear and tear

  • Depreciation in the car’s value

  • Tyre damaged caused by breaking, like punctures and bursts

  • Damage caused by using the wrong fuel

  • Unregistered modification breakdowns

  • Faulty repairs when Real Insurance hasn’t been consulted

  • Mechanical or electrical failures

  • A situation where you haven’t taken reasonable steps to ensure your car is safe after an accident or breakdown

How is Real Insurance car insurance rated?

Mozo users have rated Real Insurance car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Real Insurance car insurance
Overall
8.1/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

339 Reviews

Recent Real Insurance car insurance reviews

Real Insurance Comprehensive Car Insurance review
Overall 8/10
i love it.

I love my car insurance company as it's such a lower premium compared to my last policy with a different insurance company.

Read full review

I love my car insurance company as it's such a lower premium compared to my last policy with a different insurance company.

Value for money
6/10
Policy coverage
5/10
Customer service
8/10
Claims handling
4/10
Trust
6/10
Less
Kristy, Western Australia reviewed 23 days ago
Real Insurance Comprehensive Car Insurance review
Overall 9/10
Good value and pays claims easily

Always best value insurance. Paid out a car insurance claim promptly and efficiently. Real insurance are good value and trustworthy car insurance.

Read full review

Always best value insurance. Paid out a car insurance claim promptly and efficiently. Real insurance are good value and trustworthy car insurance.

Value for money
7/10
Policy coverage
7/10
Customer service
9/10
Claims handling
10/10
Trust
9/10
Less
Sue, New South Wales reviewed about 1 month ago
Real Insurance Comprehensive Car Insurance review
Overall 0/10
Terrible customer service.

Been with real car insurance for many years with different vehicles but each and every year they put the price up. It got to the point where I started looking elsewhere to find better rates. When I called to see if they could match or better the other companies they said they could do nothing. I ended up canceling my insurance with them. I thought as I had stuck with them for a while and have had no claims they would value me as a customer but no nothing!

Read full review

Been with real car insurance for many years with different vehicles but each and every year they put the price up. It got to the point where I started looking elsewhere to find better rates. When I called to see if they could match or better the other companies they said they could do nothing. I ended up canceling my insurance with them. I thought as I had stuck with them for a while and have had no claims they would value me as a customer but no nothing!

Value for money
0/10
Policy coverage
5/10
Customer service
1/10
Trust
1/10
Less
Troy, Victoria reviewed 9 months ago
Real Insurance Car Insurance review
Overall 0/10
Bad service.

No good. Avoid them all the time.

Read full review

No good. Avoid them all the time.

Value for money
2/10
Policy coverage
0/10
Customer service
1/10
Claims handling
0/10
Trust
0/10
Less
Deepak, New South Wales reviewed about 1 year ago

Car insurance quick links