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