Finder makes money from featured partners, but editorial opinions are our own.
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.
These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Our verdict
Pros
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.
Cons
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.
We don't currently have this brand on our panel. But don't fret! You can head to the Real's website or compare a bunch of other car insurance companies with Finder.
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.
We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.
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.
Overall great company to deal with and really good value for money .
Real car insurance user, NSW
I have been with Real for several years. When I had to claim it was easy and quick.
Real car insurance user, NSW
I use 'pay as you drive' as I don't drive that much. I have found Real to be the best provider of this service & have never had any issues with them. They have great customer service as well.
Real car insurance user, NSW
Real car insurance policy options
Real car insurance customers can choose from the following 4 policy options:
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
FAQs about Real car insurance
Inclusions and exclusions for your policy will be determined by what type of policy you purchased and if you added anything extra to it. To know what you're covered for, refer to the appropriate PDS on Real's website.
According to our research, the average cost for a Real comprehensive car insurance policy is around $1,516. Keep in mind, your cost will differ based on your personal circumstances like your age, gender, address, mileage and more.
Real car insurance may apply the following excesses:
Basic excess
Learner driver excess
Age excess
Undeclared young driver excess
Inexperienced driver excess
Outside odometer excess
Special excess
Refer to the PDS to see which excesses may apply to your policy.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
SPONSORED: If you're looking to spend your crypto outside of the Blockchain, prepaid debit cards can be a handy resource.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.