Save up to 10% when you buy Real Car Insurance online
Online applicants save 5% on first year premiums, and up to an additional 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.
The highest level of cover available from Real, this policy provides the ultimate cover for accidents, theft and damage to your car and possessions. Comprehensive Real Car Insurance includes cover for:
Theft or attempted theft
Fire damage
Malicious damage
Natural events
Towing costs
Legal liability
Optional roadside assistance
Pay As You Drive With Real Car Insurance
Real 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. This should be the maximum distance you think you will drive during your cover period.
Third Party Property, Fire and Theft Car Insurance
Theft or attempted theft
Fire damage
Malicious damage
Legal liability
Hire car after theft
Trailer and caravan cover
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 no-frills policy is designed to provide essential cover benefits including:
Uninsured motorist extension benefit
$20 million of legal liability.
Benefit
Comprehensive
Pay As You Drive
Third Party Property, Fire & Theft
Third Party Property Damage
10% discount if you buy online
Yes
Yes
Yes
Yes
14 day money-back guarantee
Yes
Yes
Yes
Yes
24-month new car replacement cover
Yes
Yes
No
No
24/7 emergency claims
Yes
Yes
Yes
Yes
24/7 Roadside assistance
Optional
Optional
Optional
Optional
Caravan and trailer cover
Yes
Yes
Yes
No
Choice of agreed value
Yes
Yes
No
No
Choice of excess
Yes
Yes
Yes
Yes
Emergency accommodation and travel costs
Yes
Yes
Yes
No
Excess-free windscreen cover
Optional
Optional
Optional
No
Hire car cover
Optional
Optional
Optional
No
Lock and key replacement
Yes
Yes
No
No
Max $500 for essential repairs after accident/theft
Yes
Yes
Yes
No
Max $500 for replacement on baby capsules, child seats and prams
Yes
Yes
Yes
No
Pay for only the kms you drive
No
Yes
No
No
Personal property cover
Yes
Yes
Yes
No
Towing costs
Yes
Yes
Yes
No
Transit cover
Yes
Yes
Yes
No
What is not covered by this policy?
There are certain situations when Real Insurance will refuse to pay your claim, including:
Your car was driven by someone under the age restriction shown on your Certificate of Insurance
Your car was being driven by someone who was not properly licensed
Your car is driven by a learner license not accompanied by a full licensed driver
Your car was being driven by someone under the influence of alcohol (over the legal limit) or drugs
Your car was driven by someone who refused to undergo a drug or alcohol test if asked by the policy
It arises from your car being used as a courier or delivery vehicle
Your car was being used for any motor sport or racing
It results from you using your car to carry more passengers or tow a heavier load than it was designed to do
Your car is in an un-roadworthy condition
Your car was being driven outside Australia
Your claim results from a deliberate, intentional or malicious act by you or someone acting with your consent
It results from an act of war or revolution
It is for any consequential loss caused by you knowingly driving your vehicle in a damaged condition
For depreciation
For wear and tear or rust and corrosion
For mechanical, electrical or computer breakdowns
For any repairs carried out without the express consent of Real Car Insurance
For damage to tyres by punctures, cuts or bursts
You have failed to take reasonable steps to protect your car and prevent loss or damage
Your car has been modified or fitted with non-standard accessories without the express consent of Real Car Insurance.
How much does Real Car Insurance cost?
There are several factors which influence exactly how much your Real Car Insurance premium will cost, including:
The policy you choose
The claims history of the people who will drive your vehicle
The age of the drivers and how much driving experience they have
The age, make and model of your vehicle
The extras and accessories you have fitted to your car
The postcode where your car is kept and whether or not it will be kept garaged overnight
How you use your car
Whether you opt for agreed value or market value cover
Any optional extras you choose
The excess you choose to pay.
What is an excess and what does it do?
The excess is the amount of money you are required to contribute towards the cost of a claim, however you will not need to pay an excess if you were not at fault for the damage caused and you’ve provided the insurer with relevant details of the other party.
The following excesses may apply to your cover:
What is a basic excess? This is the excess you chose, listen on your Certificate of Insurance.
How does an age excess work? This applies in addition to other excesses if at the time of the incident your car was being driven by someone below the age of 25.
Will an inexperienced and learner driver excess apply to my policy? This applies if your car was being driven at the time of the incident by a learner driver under 18 years of age or someone over 25 years old who has not held a valid licence to drive in Australia for more than two years.
What is an undeclared young driver excess? If your car is driven by someone under 25 years of age who has not been declared as a driver of your car on your Certificate of Insurance, this excess will apply.
What does special excess mean? Real may apply this special excess depending on your car, how it is used or the claims history of the drivers of your car. This is listed on your Certificate of Insurance.
How does an Outside odometer excess work? This excess applies only to Pay As You Drive policies if at the time of the incident your car’s odometer is below the start odometer you provided to Real at the start of your policy or above the end odometer reading as shown on your Certificate of Insurance.
How can I save money on my policy?
Is pay Pay As You Drive right for you? This option means you only pay for the kilometres you plan to drive, so you can potentially save a great deal of money over the cost of a Comprehensive policy if you don't drive much.
Should I get an agreed and market value policy? Agreed value policies may feature higher premiums, though that doesn’t necessarily mean they’re not the right option for you.
How much cover do you really need? If you don’t require Comprehensive cover, you might be able to save money by choosing a more basic level of cover.
Do you really need all those extras? If you’re highly unlikely to need the cover provided by extra cover options, consider not adding them to your policy.
What excess should I choose? Adjust your excess to a level suitable to your needs.
Should I buy online? Real allows you to take advantage of a discount of up to 10% when you buy your car insurance policy online.
Real Insurance FAQs
You may wish to add one or more of the following options to your policy: Hire Car Cover, Excess-free Windscreen Cover and Roadside Assistance.
Yes, it’s possible to increase your excess at any time, but you can only decrease your excess when you renew cover.
Yes, Real Car Insurance will cover you as long as you have a valid learner driver’s licence or permit and you are accompanied by a fully licensed driver.
No, Real does not offer CTP policies.
I'm ready to compare policies now
Deciding on the right car for your needs is a very important choice, but deciding on the right car insurance coverage is just as important. Motor vehicle insurance provides financial protection against a wide range of risks, from theft and fire damage right through to liability for causing third party injury or property damage, so you need to know that you have adequate cover in place before you hit the road.
When you’re looking for insurance coverage for your vehicle, each of the four policy options from Real Car Insurance is worth considering. Just make sure you shop around and do plenty of research before you choose one of the many policies available.
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Upon checking, the answer to your question is yes. If you are an overseas driver who has an international driver licence, Real offers an insurance policy for you.
Moreover, please take note that you need to check with the state where you will be driving if you are able to drive on an overseas licence as long as it is current. Most states allow this except for the Northern Territory.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Hi I am 61 years old and have just purchased a new car,I want to list my son as a driver who was charged with possession of a small amount of drugs last year,will real still insure my vehicle?
That’s fine as long as it’s not a driving-related offense, then it won’t necessarily impact your car insurance unless it reasonably increases the risk an insurer takes in offering you cover.
For example, previous drug-related charges might not affect your car insurance, but a conviction for insurance fraud might. For more info about this, please go HERE.
I already have comprehensive insurance with real insurance of my car. My car is standard but recently i replaced the rims and tyre of my car. The car has standard of steel wheels of 15″ and i upgraded to 18″ of alloy wheels. Do i need to inform to my insurance about that and what happened if the accident will happen they are going to cover my car or not.
Thanks for getting in touch. While it will depend on your insurer, it’s generally advisable to update your insurer with any modifications you make to your car.
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 compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as '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 and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
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 labelling 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.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use for more information about our services and our approach to privacy.
I have an international driver licence. Does Real provide car insurance for that?
Hi Karan,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Upon checking, the answer to your question is yes. If you are an overseas driver who has an international driver licence, Real offers an insurance policy for you.
Moreover, please take note that you need to check with the state where you will be driving if you are able to drive on an overseas licence as long as it is current. Most states allow this except for the Northern Territory.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Hi I am 61 years old and have just purchased a new car,I want to list my son as a driver who was charged with possession of a small amount of drugs last year,will real still insure my vehicle?
Hi Catherine,
Thanks for leaving a question on finder.
That’s fine as long as it’s not a driving-related offense, then it won’t necessarily impact your car insurance unless it reasonably increases the risk an insurer takes in offering you cover.
For example, previous drug-related charges might not affect your car insurance, but a conviction for insurance fraud might. For more info about this, please go HERE.
Cheers,
Joel
I already have comprehensive insurance with real insurance of my car. My car is standard but recently i replaced the rims and tyre of my car. The car has standard of steel wheels of 15″ and i upgraded to 18″ of alloy wheels. Do i need to inform to my insurance about that and what happened if the accident will happen they are going to cover my car or not.
Hi Joe,
Thanks for getting in touch. While it will depend on your insurer, it’s generally advisable to update your insurer with any modifications you make to your car.
All the best,
Richard
Hi Ricard,
Thanks for your response i really appreciate it, i think its better to inform them before any mishap happen.