Real Insurance Car Insurance

Real Insurance offers drivers in Australia a range of car insurance policies at affordable prices. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Real Insurance has been offering Australians value-for-money insurance since 2005, providing quality insurance products at a reasonable price. Underwritten by Hollard, it was the first insurer in Australia to offer pay as you drive car insurance and has a range of other car insurance policies to choose from, from basic cover to comprehensive plans with optional extras.

In this review, we take a look at Real Insurance’s car insurance products so you can understand what’s on offer. Find out what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by Real Insurance is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Real Insurance if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Real Insurance for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Real Insurance?

Real Insurance offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Comprehensive car insurance is the most extensive type of cover. Real Insurance’s Comprehensive plan offers the following inclusions:

  • Coverage against accidental loss or damage from events such as accidents, theft, malicious damage, fire and natural events
  • Legal liability cover up to $20 million
  • New-for-old car replacement within the first 24 months of registration
  • Legal liability cover for an incident using an uninsured substitute car
  • Up to $50 per day for up to 14 days for a hire car after theft
  • Up to $1,000 coverage for accidental loss or damage to a trailer or caravan attached to your car
  • Up to $500 for essential repairs to restore your car to a roadworthy condition
  • Transit cover for loss or damage to your car during transportation
  • Up to $500 for accidental loss, theft, or damage to personal property inside the car
  • Up to $500 for replacement child safety seats and prams damaged or stolen from the car
  • Up to $500 for emergency travel and accommodation if your car cannot be driven and you are more than 200km from home
  • Up to $1,000 for replacing or recoding your car’s locks and keys if they are stolen
  • Reasonable towing costs for moving your damaged car to a safe place or an approved repairer
  • Option to take out Pay As You Drive (PAYD) cover if certain conditions are met
Pay As You Drive Car Insurance

With Real Insurance’s Comprehensive insurance, you may be eligible for Pay As You Drive cover if you drive less than 15,000km a year. This type of cover offers all the benefits of Real Insurance’s Comprehensive plan, but for a discounted premium. This is determined in the following way:

  • The premium is calculated based on the estimated distance you plan to drive during the insurance period
  • Your Certificate of Insurance will display the start and end odometer readings, indicating the maximum mileage recorded for your car during the coverage period
  • You must submit an accurate start odometer reading when you take out the policy
  • An outside odometer excess applies if your car's odometer reading exceeds the end reading or falls below the start reading, if the odometer is faulty or non-functional, or if the odometer has been replaced without updating the policy
  • Provided odometer readings may be verified through inspections and document requests
Third Party Property, Fire & Theft Car Insurance

This type of cover is the next step down from comprehensive car insurance, protecting against damage to your vehicle from theft and fire, and damage to other vehicles and property. Real Insurance’s plan has the following inclusions:

  • Coverage against loss or damage caused by theft, attempted theft or fire (including bushfire), up to a maximum of $10,000 or the market value of your car
  • Legal liability cover up to $20 million
  • Hire car in case of theft, up to $50 per day for a maximum of 14 days
  • Accidental loss or damage to a trailer or caravan attached to your car, up to $1,000
  • Essential repairs to restore your car to a roadworthy condition, up to $500
  • Transit cover to protect against loss or damage to your car during transportation
  • Accidental loss, theft or damage to personal property inside the car, up to $500
  • Replacement child seats and prams damaged or stolen from the car, up to $500
  • Emergency travel and accommodation expenses if your car is undrivable and you are more than 200km from home, up to $500
  • Replacing or recoding your stolen car's locks and keys, up to $1,000
  • Reasonable towing costs for moving your damaged car to a safe location or an approved repairer
  • Up to $3,000 for damage to your car caused by an uninsured driver
  • Legal liability cover for an incident using an uninsured substitute car
Third Party Property Damage Car Insurance

The most basic form of optional car insurance in Australia, this is designed to cover damage caused to other people’s property, rather than to your own vehicle. Real Insurance’s policy offers the following inclusions:

  • Legal liability cover, up to $20 million
  • Uninsured motorist cover, up to $3,000
  • Legal liability cover for an incident using an uninsured substitute car

Are there any optional extras available through Real Insurance?

Yes – all levels of cover have the option to take out separate roadside assistance through Digicall Assist.

On Comprehensive and Fire & Theft plans, the following optional extras are also available:  

  • Excess-free windscreen cover for repairing or replacing the car’s front windscreen
  • Hire car cover for car loss or damage, up to $50 a day

What are some of the pros and cons of buying car insurance through Real Insurance?

  • Generous TPFT cover: Real Insurance’s Fire & Theft plan offers many of the benefits of its Comprehensive cover such as personal property cover and emergency accommodation.
  • Pay As You Drive option available: if you drive less than 15,000km a year, you may be able to lower your premiums with PAYD cover.
  • Affordable policies: Real Insurance aims to provide value-for-money car insurance, with policies available at competitive prices.
  • Limited windscreen cover: windscreen cover is available as an optional extra but only covers the front windscreen for a single incident.
  • No choice of repairer: repairs can only be carried out by a repairer appointed and approved by Real Insurance.

Common questions about Real Insurance car insurance

Does Real Insurance offer CTP insurance?

No – Real Insurance doesn’t offer any Compulsory Third Party (CTP) insurance in any state or territory of Australia. You should check your state or territory government’s website to find out what your CTP options are.

What does Real Insurance’s roadside assistance cover?

Drivers can take out roadside assistance as a separate service for an additional fee, which provided by Digicall Assist and available across Australia. It covers:

  • Flat battery
  • Tyre replacement
  • Minor repairs
  • Key replacement
  • Towing
  • Emergency petrol
Can I change my end odometer reading with Real Insurance’s PAYD cover?

Unless there has been an insured event, you can increase your end odometer reading during the policy, though you may be required to pay a higher premium. You cannot reduce your odometer reading once cover has started, only during the renewal period.

Does Real Insurance offer no-claim discounts?

No – Real Insurance does not offer no-claim bonuses or discounts. Instead, it aims to offer lower-cost insurance from the day customers join. Premiums are calculated based on factors such as the type of car, age, additional drivers, location and insurance history to ensure customers receive the best possible deal.

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