The details shown below are for the Pay As You Drive Car Insurance
The details shown below are for the Comprehensive Car Insurance
Choose the version of this product that suits you best
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Pay As You Drive Car Insurance |
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Comprehensive Car Insurance |
Pay As You Drive Car Insurance
Comprehensive Car Insurance
If you’re looking for insurance that’s wide-ranging and flexible, Real Comprehensive Car Insurance warrants serious consideration. Not only will your car be covered if it is stolen, crashed, or damaged by fire or weather, you’ll also benefit from a number of features that will provide added security, such as new for old car replacement if your car is written off within two years of its registration.
With Real Comprehensive Car Insurance, you’ll be covered in cases of theft, accidents, or if your car is damaged by fire or weather. You’ll also be insured up to $500 for property in your vehicle that’s damaged or stolen, up to $500 for damaged baby seats and prams, and up to $1,000 for stolen keys.
If you find yourself in an accident, Real offers up to $500 in emergency repairs and towing to help get your car back up and running. If by some stroke of bad luck your car winds up getting written off within two years of its registration, you can rest easy knowing Real will replace it with a new one of comparable value.
There are also a few optional extras that are available to complement the existing features. These include 24/7 roadside assistance, excess-free windscreen cover, and a 14 day hire car cover, so you won’t be without transport while your car is getting fixed (remember extras come at an additional premium).
And if you don’t drive often but still want the benefits of comprehensive cover, you can sign up for Pay As You Drive Car Insurance. This will give you the same cover at a reduced rate, so long as you drive within the agreed km range.
This policy would suit two types of drivers: those who want to protect their car against a variety of unfortunate circumstances, and those who love their car but just don’t drive it as often. Anyone over the age of 25 will also be able to take advantage of the 5% online application discount.
If you’re planning to list younger or inexperienced drivers on your policy, remember that various excesses apply and can be expensive if you ever need to make a claim.
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Yes costs extra |
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$500 - $5,000 |
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$1,200 for listed drivers under 21, $800 for listed drivers between 21 and 25, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers. |
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none (WA) |
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No |
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5% |
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n/a |
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No |
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Additional 5% discount for people over 25.|Pay As You Drive discount for restricting kilometres driven to an agreed range. |
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Optional Service |
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No |
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Yes |
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n/a |
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End odometer reading can increase by no more than 15,000km per period of insurance. |
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Agreed or Market |
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Yes - within 2 years of original registration |
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Up to $500 if damaged or stolen. |
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Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium. |
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Up to $500 |
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Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home. |
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Yes - Up to 14 days, max $50 per day. |
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Optional Extra. Up to 14 days, max $50 per day. |
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No |
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Up to $1,000 |
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Up to $1,000 if stolen. |
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Up to $500 |
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Covered only if agreed in writing. |
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No |
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No |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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Yes costs extra |
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$500 - $5,000 |
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$1,200 for listed drivers under 21, $800 for listed drivers between 21 and 25, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers. |
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none (WA) |
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No |
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5% |
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n/a |
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No |
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Additional 5% discount for people over 25. |
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Optional Service |
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No |
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Yes |
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n/a |
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n/a |
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Agreed or Market |
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Yes - within 2 years of original registration |
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Up to $500 if damaged or stolen. |
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Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium. |
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Up to $500 |
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Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home. |
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Yes - Up to 14 days, max $50 per day. |
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Optional Extra. Up to 14 days, max $50 per day. |
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No |
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Up to $1,000 |
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Up to $1,000 if stolen. |
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Up to $500 |
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Covered only if agreed in writing. |
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No |
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No |
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
I have had to deal with my insurance company over the phone, regarding a car accident. They were very understanding and helpful. Arranged everything for me and kept me up to date. Hassle free.
Read full reviewI have had to deal with my insurance company over the phone, regarding a car accident. They were very understanding and helpful. Arranged everything for me and kept me up to date. Hassle free.
Lack of personal attention. Don’t care about customer relations or trying to make customer happy. Just want the money.
Read full reviewLack of personal attention. Don’t care about customer relations or trying to make customer happy. Just want the money.
We have had our cars insured through Real for several year as well as 6 other polices. On recently upgrading my car to the same make and model to my previous car, just newer by 7 years, I contacted Real to insure my new, second hand car. This took almost 2 hours on the phone, apparently they were having IT issues, to be told my premium increased from under $900 to $1800. Other than one NO FAULT claim in last 3 years, which I could provide all details of the other driver, nothing else was different, no modifications to car, same address, etc. I was unable to receive a reasonable explanation why the premium was so much higher. I was also asked why I submitted a no fault claim and told that I should not have done this, that I should have waited until I was contacted by the other driver or their insurance company rather than contacting Real. Really?? Why wasn't I told that at the time?? I thought I was meant to inform my insurer if any accident even if not my fault, and I had thought I would not be penalised for this as I was able to provide all the details for the other driver, etc. Not the case apparently! Strongly suggest you check this out if insured with Real. Called back a couple of times but unable to get an explanation why the premium was double, and despite asking was not able to speak to someone who would perhaps know. Even when I called to cancel there was no care that we were taking this, and likely all our policies to another company. So much for valuing loyal costumers.
Read full reviewWe have had our cars insured through Real for several year as well as 6 other polices. On recently upgrading my car to the same make and model to my previous car, just newer by 7 years, I contacted Real to insure my new, second hand car. This took almost 2 hours on the phone, apparently they were having IT issues, to be told my premium increased from under $900 to $1800. Other than one NO FAULT claim in last 3 years, which I could provide all details of the other driver, nothing else was different, no modifications to car, same address, etc. I was unable to receive a reasonable explanation why the premium was so much higher. I was also asked why I submitted a no fault claim and told that I should not have done this, that I should have waited until I was contacted by the other driver or their insurance company rather than contacting Real. Really?? Why wasn't I told that at the time?? I thought I was meant to inform my insurer if any accident even if not my fault, and I had thought I would not be penalised for this as I was able to provide all the details for the other driver, etc. Not the case apparently! Strongly suggest you check this out if insured with Real. Called back a couple of times but unable to get an explanation why the premium was double, and despite asking was not able to speak to someone who would perhaps know. Even when I called to cancel there was no care that we were taking this, and likely all our policies to another company. So much for valuing loyal costumers.
Competitive price and discount on rating.
Read full reviewCompetitive price and discount on rating.
I have found them to be great, they replaced my windscreen for free under their one free windscreen replacement per year of being insured with them and I had only been insured with them for just over a month, that was five years ago. They also have 100 km free towing. At the time they were, to the best of my knowledge, the only ones that would insure my son's car while he was only on a learners permit.
Read full reviewI have found them to be great, they replaced my windscreen for free under their one free windscreen replacement per year of being insured with them and I had only been insured with them for just over a month, that was five years ago. They also have 100 km free towing. At the time they were, to the best of my knowledge, the only ones that would insure my son's car while he was only on a learners permit.