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Real Insurance is a multi-award winning insurance brand that has been providing cover to Aussies since 2005.
If you’re looking for flexible and affordable car insurance, Real Insurance offers the following policy options to Australian drivers:
Read on to learn about your policy options.
Review by our car insurance expert Alexandra Koster
Real Car Insurance customers can choose from the following four policy options:
The highest level of cover available from Real Insurance, this policy provides the ultimate cover for accidents, theft and damage to your car and possessions. Real's Comprehensive Car Insurance includes cover for:
Pay As You Drive Car Insurance offers the same benefits as comprehensive cover but can potentially save you money as you only pay for the kilometres you plan to drive.
In order to apply for Pay As You Drive Cover you will need to agree to a set amount of kilometres with Real Insurance. This should be the maximum distance you think you will drive during your cover period. You only pay for what you plan to use and you can top up if required.
This basic policy protects you against the resulting costs when you cause damage to other peoples’ cars or property.
This no-frills policy is designed to provide essential cover benefits including:
Benefit | Comprehensive | Pay As You Drive | Third Party Property, Fire & Theft | Third Party Property Damage |
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10% discount if you buy online* |
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14 day money-back guarantee |
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24-month new car replacement cover |
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24/7 emergency claims |
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24/7 Roadside assistance |
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Caravan and trailer cover |
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Choice of agreed value |
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Choice of excess |
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Emergency accommodation and travel costs |
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Excess-free windscreen cover |
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Hire car cover |
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Lock and key replacement up to $1,000 |
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Max $500 for essential repairs after accident/theft |
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Max $500 for replacement on baby capsules, child seats and prams |
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Pay for only the kms you drive |
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Personal property cover |
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Towing costs |
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Transit cover |
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* Up to 10% discount consists of 5% saving for online applicants, savings in first year only. Up to 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.
There are certain situations when Real Insurance will not pay your claim, including:
There are several factors which influence exactly how much your Real Car Insurance premium will cost, including:
The excess is the amount of money you are required to contribute towards the cost of a claim, however you will not need to pay an excess if you were not at fault for the damage caused and you’ve provided the insurer with relevant details of the other party.
The following excesses may apply to your cover:
Deciding on the right car for your needs is a very important choice, but deciding on the right car insurance coverage can be just as important. Motor vehicle insurance provides financial protection against a wide range of risks, from theft and fire damage right through to liability for causing third party injury or property damage, so you need to know that you have adequate cover in place before you hit the road.
When you’re looking for insurance coverage for your vehicle, each of the four policy options from Real Car Insurance is worth considering. Just make sure you shop around and do plenty of research before you choose one of the many policies available.
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I have an international driver licence. Does Real provide car insurance for that?
Hi Karan,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Upon checking, the answer to your question is yes. If you are an overseas driver who has an international driver licence, Real offers an insurance policy for you.
Moreover, please take note that you need to check with the state where you will be driving if you are able to drive on an overseas licence as long as it is current. Most states allow this except for the Northern Territory.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Hi I am 61 years old and have just purchased a new car,I want to list my son as a driver who was charged with possession of a small amount of drugs last year,will real still insure my vehicle?
Hi Catherine,
Thanks for leaving a question on Finder.
That’s fine as long as it’s not a driving-related offense, then it won’t necessarily impact your car insurance unless it reasonably increases the risk an insurer takes in offering you cover.
For example, previous drug-related charges might not affect your car insurance, but a conviction for insurance fraud might. You can learn more from our guide on how a criminal record affects car insurance.
Cheers,
Joel
I already have comprehensive insurance with real insurance of my car. My car is standard but recently i replaced the rims and tyre of my car. The car has standard of steel wheels of 15″ and i upgraded to 18″ of alloy wheels. Do i need to inform to my insurance about that and what happened if the accident will happen they are going to cover my car or not.
Hi Joe,
Thanks for getting in touch. While it will depend on your insurer, it’s generally advisable to update your insurer with any modifications you make to your car.
All the best,
Richard
Hi Ricard,
Thanks for your response i really appreciate it, i think its better to inform them before any mishap happen.