Choose the version of this product that suits you best
| Name | |
|---|---|
|
|
Pay As You Drive Car Insurance |
|
|
Comprehensive Car Insurance |
If you’re after a car insurance policy that suits your driving habits without costing the world then the Pay As You Drive Car Insurance policy from Real Insurance could be just the ticket. It also comes with a number of handy features and useful discounts.
Real insurance's Pay As You Drive policy is also an award winner. This policy picked up an award for Exceptional Value Car Insurance in the 2023 Mozo Experts Choice Awards.
It really is all in the name with the Pay As You Drive Car Insurance policy. Real Insurance will calculate your premium based on the the kilometres you plan to drive each year. You will have the opportunity to adjust that figure throughout the year if you think you’re going to exceed it, but it'll bump up your premium. That means you only pay for the driving you actually do, making it a great option for owners who don’t drive to work or only use their car on weekends but still want to enjoy the benefits of comprehensive cover.
If your car is written off, Real Insurance will replace it with a brand new model if it’s less than two years old, otherwise it will be covered at an agreed price or at market value. And if your vehicle is stolen, Real Insurance will provide you with a rental car (maximum value of $70 a day) for up to two weeks.
The possessions inside your car will also be covered under the Pay As You Drive Car Insurance policy, with up to $500 personal property cover, up to $1,000 for stolen keys and up to $500 for a baby capsule or seats.
Worried about breaking down? Real Insurance offers roadside assistance as an optional extra and you’ll be able to access their 24/7 claims service. Plus they’ll pay up to $500 towards any of your travel or accommodation costs if you’re stranded more than 200km from home.
The Pay As You Drive Car Insurance policy from Real Insurance could be a cost-efficient option for car owners who’d prefer a policy that reflects their driving habits, without compromising on the benefits of comprehensive cover.
Bear in mind that drivers under the age of 25 or inexperienced drivers who are either listed or unlisted on the policy will be charged a greater level of excess - ranging from $800 to $2,600.
|
Yes costs extra |
|
|
$500 - $5,000 |
|
|
$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. |
|
|
none (WA) |
|
|
No |
|
|
n/a |
|
|
n/a |
|
|
No |
|
|
n/a |
|
Optional Service |
|
|
No |
|
|
Yes |
|
|
n/a |
|
|
End odometer reading can increase by no more than 15,000km per period of insurance. |
|
|
SA VIC NT TAS NSW ACT QLD WA |
|
Agreed or Market |
|
|
Yes - within 2 years of original registration |
|
|
Up to $500 if damaged or stolen. |
|
|
Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium. |
|
|
Up to $500 |
|
|
Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home. |
|
|
Yes - Up to 14 days, max $50 per day. |
|
|
Optional Extra. Up to 14 days, max $50 per day. |
|
|
Yes - legal liability cover when using a substitute vehicle. |
|
|
Up to $1,000 |
|
|
Up to $1,000 if stolen. |
|
|
Up to $500 |
|
|
Covered only if agreed in writing. |
|
|
No |
|
|
No |
^See information about the Mozo Expert Choice Car Insurance Awards
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.
|
Yes costs extra |
|
|
$500 - $5,000 |
|
|
$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. |
|
|
none (WA) |
|
|
No |
|
|
n/a |
|
|
n/a |
|
|
No |
|
|
n/a |
|
Optional Service |
|
|
No |
|
|
Yes |
|
|
n/a |
|
|
n/a |
|
|
SA VIC NT TAS NSW ACT QLD WA |
|
Agreed or Market |
|
|
Yes - within 2 years of original registration |
|
|
Up to $500 if damaged or stolen. |
|
|
Yes - standard excess. Option to reduce excess for first front windscreen claim each year to $0 for an additional premium. |
|
|
Up to $500 |
|
|
Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home. |
|
|
Yes - Up to 14 days, max $50 per day. |
|
|
Optional Extra. Up to 14 days, max $50 per day. |
|
|
Yes - legal liability cover when using a substitute vehicle. |
|
|
Up to $1,000 |
|
|
Up to $1,000 if stolen. |
|
|
Up to $500 |
|
|
Covered only if agreed in writing. |
|
|
No |
|
|
No |
^See information about the Mozo Expert Choice Car Insurance Awards
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.