What is not included in 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.

How much does a Real car insurance policy cost?

The cost of a Real car insurance policy depends on you, your car and the cover you choose, including your age, gender, address and mileage. For a guide, see the sample quote for Real Comprehensive in the comparison table above, then get a personalised quote from Real.

What excess applies to my Real car insurance?

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.

Real car insurance review

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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.

How does Real compare with other car insurers?

We obtained quotes across a range of providers for a 30 year old male based in NSW.

5 of 5 results

Age 30 quote
Youi Comprehensive Finder Award	Sample quote $1,417.84	Get Quote View details Compare product selectionCompare	loading
AAMI Comprehensive Car Insurance	Sample quote $1,756.10	Get Quote View details Compare product selectionCompare	loading
Budget Direct Comprehensive Finder Award	Sample quote $1,212.97	Get Quote View details Compare product selectionCompare	loading
Real Comprehensive	Sample quote $2,257.05	View details Compare product selectionCompare	loading
NRMA Comprehensive Most Loved	Sample quote $2,416.84	View details Compare product selectionCompare	loading

Showing 5 of 5 results

Compare Real car insurance policies

4 of 4 results

Finder Score	Accidental damage	Fire and theft	Hire car after theft
8.7 Great Real Comprehensive	8.7 Great	Optional	If your car is written off in the first 2 years	Up to $50 per day - Up to 14 days	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.	View details Compare product selectionCompare	loading
8.6 Great Real Pay As You Drive	8.6 Great	Optional	If your car is written off in the first 2 years	Up to $50 per day - Up to 14 days	Only pay for the kilometres you plan to drive.	View details Compare product selectionCompare	loading
8.8 Great Real Third Party Fire and Theft	8.8 Great	Optional		Up to $50 per day - Up to 14 days	View details Compare product selectionCompare	loading
7.7 Great Real Third Party Property Damage	7.7 Great	Optional			View details Compare product selectionCompare	loading

Showing 4 of 4 results

Customer reviews

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:

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 accommodation, 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 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 people's 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

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.

Compare other products from Real

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Peta Taylor

Publisher of Insurance

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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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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.

Pros

Cons