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.
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.
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.
Price
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.
We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.
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
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