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Real Insurance Comprehensive Car Insurance

Advertiser disclosure

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

  • Pay As You Drive Car Insurance

  • Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
5%
Choice of repairer
No
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
5%
Choice of repairer
No

Mozo editorial review Real Insurance Comprehensive Car Insurance

Last updated: 8 December 2020.

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What's hot
  • 5% online discount
  • 5% discount for people over 25
  • 24/7 claims service
What's not
  • No multi policy discount
Mozo snapshot

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’s 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.

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Key features

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 10 or 20 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.

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Who is it good for

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.

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Any catches

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.

Details

Rates and fees information correct as at 20 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes costs extra

  • $500 - $5,000

  • $1,800 for listed drivers under 18, $800 for listed drivers under 22, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers under 22, $800 for learner drivers, $800 for inexperienced drivers over 24

  • none (WA)
    none (VIC)
    none (TAS)
    none (SA)
    none (NSW)
    none (QLD)
    none (ACT)
    none (NT)

  • No

  • 5%

  • n/a

  • No

  • Additional 5% discount for people over 25.|Pay As You Drive discount for restricting kilometres driven to an agreed range.

Service features
  • Optional Extra

  • No

  • Yes

  • n/a

  • n/a

Coverage summary
  • 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 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 $70 per day.

  • Not at fault - Optional Extra. At fault - Optional Extra. Up to 20 days, max $70 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

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).

Details

Rates and fees information correct as at 20 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes costs extra

  • $500 - $5,000

  • $1,800 for listed drivers under 18, $800 for listed drivers under 22, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers under 22, $800 for learner drivers, $800 for inexperienced drivers over 24

  • none (WA)
    none (VIC)
    none (TAS)
    none (SA)
    none (NSW)
    none (QLD)
    none (ACT)
    none (NT)

  • No

  • 5%

  • n/a

  • No

  • Additional 5% discount for people over 25.

Service features
  • Optional Extra

  • No

  • Yes

  • n/a

  • n/a

Coverage summary
  • 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 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 $70 per day.

  • Not at fault - Optional Extra. At fault - Optional Extra. Up to 20 days, max $70 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

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).

Customer Reviews

How are Real Insurance car insurance rated by the Mozo community?

Overall
8.1/10
Value for money
8.1/10
Policy coverage
7.8/10
Customer service
8.1/10
Claims handling
7.6/10
Trust
7.8/10

Latest reviews of Real Insurance Comprehensive Car Insurance

  • Overall 10/10
    Best insurer by far.

    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 review

    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.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Rodney, New South Wales reviewed about 2 months ago
  • 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 3 months ago
  • 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 3 months ago
  • 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
    Claims handling
    -1/10
    Trust
    1/10
    Less
    Troy, Victoria reviewed 11 months ago
  • Overall 7/10
    Expensive

    You get nothing for car insurance and it increases every single year. There’s no such thing as value for money with car insurance.

    Read full review

    You get nothing for car insurance and it increases every single year. There’s no such thing as value for money with car insurance.

    Value for money
    2/10
    Policy coverage
    7/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    5/10
    Less
    Rachel, New South Wales reviewed about 1 year ago
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