Real Insurance car insurance

Real Insurance
Real Insurance's overall rating for car insurance

(as rated by the Mozo community)

8.4 / 10

based on 121 reviews

Winner of a Mozo People’s Choice Award in 2016, Real Insurance is a crowd pleaser. It’s a relatively new insurer, having hit the Australian car insurance scene in 2005, with a host of great value products to offer.

So if you love your wheels but don’t want to pay through the nose to keep them safe, check out some Real Insurance policy options below.

Real Insurance offers the following car insurance policies

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

Not Published

5% in first year

Go to site

Not Published

5% in first year

Go to site

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.

Frequently asked questions about Real Insurance

What does the Comprehensive policy cover? 

The Comprehensive policy from Real Insurance covers damage done to your car and other people’s when you have an accident. Some things you’ll be covered for include:

You can also add modifications, roadside assistance and the price of a rental car as optional extras, but keep in mind this means paying an extra premium.

What is Pay As You Drive cover?

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 things 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 isn’t covered?

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

What discounts are available?

Everybody loves a discount! When you pick up a car insurance policy, the best way to make sure you’re not paying too much for it is to cash in on every discount you can. With Real Insurance, this means your no claims discount, a discount for buying your policy online and a discount for drivers over 25.

What options do I have with the excess?

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 that there’s also an extra excess for drivers under 25, or for those who have held a licence for less than 2 years.

How is my premium calculated?

You car insurance premium will depend on a few factors, but overall, the amount you pay depends mostly on how likely the insurer thinks it is you’ll have to make a claim at some point. Things that they might look at to work that 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.

How is Real Insurance rated by customers?

Time to get real. We asked the people who know best to weigh in on how Real Insurance stacks up in terms of customer service, trust, convenience and policy price, to help you work out if it’s the car insurance for you. Check out what they said in our customer review section.

Making a claim

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

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