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Real car insurance review

Real car insurance offers average value for the features included in its comprehensive policy. Those who are looking for a policy with generous limits at a cost-effective price point may want to look elsewhere.

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Our verdict


  • Real car insurance offers drivers the option to insure their car for agreed or market value. Some other insurers only offer one or the other.
  • Real comprehensive car insurance offers a pay as you drive policy for those who drive under 15,000km per year, which can be a good way to save money.


  • Our research indicates Real car insurance is one of the more expensive insurers, even though its policy coverage is comparatively average with low benefit limits.
  • If you want to choose your repairer, this is not an option with Real car insurance. Other insurers offer this as an optional extra.
  • Its policy limit for a hire car following a theft is low at $50 per day for a maximum of 14 days. Other insurers offer up to $100 per day for a maximum of 30 days.
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How does Real compare with other car insurers?

As part of our 2023 Car Insurance Awards, our experts and insights team compared over 600 features and got 1,000+ quotes from 37 different comprehensive car insurance policies. Here's how Real compared to other insurers.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Real Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. It's also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

    Who it might be good for: Those that don't drive much can take advantage of its Pay As You Drive policy.
    Budget Direct Comprehensive
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Youi Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.


    According to our research, Real car insurance is on the more expensive side. We got quotes for 37 different car insurers and on average, Real car insurance was more expensive than 28 other brands we looked at. See below for how it compared to other popular insurers.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    real insurance$1,749$1,307$1,419$1,202$2,033$1,384$1,516More info
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    Customer reviews

    Real car insurance policy options

    Real car insurance customers can choose from the following 4 policy options:

    Comprehensive car insurance

    Real comprehensive car insurance provides cover for accidents and damage by fire, storms or theft. It includes a new car replacement if yours is written off in the first 2 years of registration, emergency transport and accomodation, a hire car after theft, a lifetime guarantee on repairs and personal effects cover up to $500. For a full list of inclusions and exclusions as well as limits that apply, see the product disclosure statement (PDS) on Real's website.

    Pay as you drive

    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. For a full list of inclusions and exclusions as well as limits that apply, see the PDS on Real's website.

    Third party property, fire and theft car insurance

    This policy provides legal liability cover up to $20,000,00 if you damage someone else's car or property in a claimable event. It also covers your own vehicle for damage from fire and theft. In the event your car is stolen, this policy will cover costs for a hire car up to $50 per day for 14 days. For a full list of inclusions and exclusions as well as limits that apply, read the PDS.

    Third party property damage car insurance

    This basic policy protects you against the resulting costs when you cause damage to other peoples' cars or property. This policy also includes an uninsured motorist extension benefit, which is cover up to $3,000 for damage to your car caused by someone without insurance. For a list of all limits, exclusions and T&Cs, be sure to read the PDS.

    What additional cover options are available?

    • Hire car cover
    • Excess-free windscreen cover
    • Roadside assistance

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