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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

Name
Pay As You Drive Car Insurance
Comprehensive Car Insurance
  • Pay As You Drive Car Insurance
  • Comprehensive Car Insurance
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
No
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
No

Mozo editorial review Real Insurance Comprehensive Car Insurance - last updated: 11 December 2023

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What's hot
  • Only pay for the kms driven
  • 2023 Mozo Experts Choice Award winner
What's not
  • Up to $2,600 excess for unlisted drivers under 18
Mozo snapshot

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

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Key features

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.


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Who is it good for

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.

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Any catches

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.

Details

Cover information and limits in the table below correct as at 6 March 2024. 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

$1,200 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)
none (VIC)
none (TAS)
none (SA)
none (NSW)
none (QLD)
none (ACT)
none (NT)

No

n/a

n/a

No

n/a

Service features

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

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 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.

No

Up to $1,000

Up to $1,000 if stolen.

Up to $500

Covered only if agreed in writing.

No

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.

Details

Cover information and limits in the table below correct as at 6 March 2024. 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

$1,200 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)
none (VIC)
none (TAS)
none (SA)
none (NSW)
none (QLD)
none (ACT)
none (NT)

No

n/a

n/a

No

n/a

Service features

Optional Service

No

Yes

n/a

n/a

SA VIC NT TAS NSW ACT QLD WA

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 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.

No

Up to $1,000

Up to $1,000 if stolen.

Up to $500

Covered only if agreed in writing.

No

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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