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Real Insurance’s Comprehensive policy is designed to cover damage to your insured car from events such as accidents, theft, fire and weather, as well as damage to other people’s cars or property when you are at fault. Its summary also lists several capped benefits and optional extras. Whether it suits you depends on the terms, excesses, options and value shown in your own policy documents—not on the summary alone.
What Real Insurance Comprehensive covers
Real Insurance describes its Comprehensive policy as covering the insured car for theft, accidents, fire and weather-related damage, plus third-party property damage when the insured driver is at fault. The company also lists the following benefits in its product summary:
- Select personal property in the car, up to $500.
- Child safety seats and prams, up to $500.
- Essential repairs and reasonable towing, up to $500.
- Accommodation costs when an incident happens more than 200 km from home.
- Hire-car costs after theft for up to 14 days, capped at $50 per day.
- Trailers or caravans while being towed, and damage while the car is being transported in Australia.
These are summary descriptions, not a guarantee that a particular loss or expense will be paid. Check the applicable Product Disclosure Statement (PDS) and your Certificate of Insurance for definitions, limits, exclusions, eligibility and excesses.
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Real lists excess-free windscreen cover, 14-day hire-car cover when a car is damaged or undriveable, and roadside assistance as optional benefits. Confirm whether an option is available for your policy and selected on your Certificate of Insurance before treating it as part of your cover. The theft-related hire-car benefit in the summary is distinct from the optional hire-car cover for a damaged or undriveable car.
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Which policy documents should you check?
Use the PDS that matches when your policy starts or renews, not simply the newest document you can find. Real’s PDS index lists a Car Insurance PDS dated 1 July 2026 for new policies effective from 14 August 2026 and existing policies renewing from that date, along with supplementary updates. If your commencement or renewal date differs, check the index and your policy documents for the applicable version.
- PDS: Read the policy terms, conditions, benefit limits and exclusions.
- Certificate of Insurance: Check your vehicle, cover selection, agreed value, chosen options and applicable excesses.
How Real’s cover options differ
Real’s comparison page lists four levels of cover. The summary below describes the product choices at a high level; the comparison page and relevant PDS should be checked for precise terms.
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- 100% Satisfaction: Our products have quality assurance, if you have questions or are not satisfied after receiving the product, don't worry, please contact us as soon as possible, we provide after-sales service.
| Cover type | What to establish before choosing |
|---|---|
| Comprehensive | Whether the insured car’s damage, third-party property damage, agreed value, excesses and any optional benefits fit your needs. |
| Pay As You Drive | Whether the declared annual distance and odometer range suit your driving, and what excess applies if you exceed the end reading. |
| Third Party Property Fire & Theft | What protection applies to other people’s property and to your own car in the specified events, including the limits and excesses. |
| Third Party Property Damage | What third-party property damage is covered and what protection, if any, applies to your own car. |
When comparing these options with each other or with another insurer, focus on agreed value and how it may change at renewal, base and additional excesses, new-for-old eligibility, distance rules, third-party property cover, towing and emergency benefits, hire-car terms, windscreen cover and roadside assistance. A product label alone does not show how those details compare.
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Pay As You Drive: the odometer condition matters
Real says Pay As You Drive is intended for drivers covering no more than 15,000 km annually. The policy uses the distance declared by the customer and odometer readings. Real says comprehensive cover continues if the vehicle passes its stated end-odometer reading, but an additional $1,000 Outside Odometer excess applies on top of any other relevant excesses. Check the applicable PDS for the exact conditions and confirm your declared range before choosing this option.
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Real’s comparison page reported possible savings of $0 to $409 for specified existing-customer profiles driving 15,000 km or less per year. The comparison was current as of 24 March 2026; Real says savings depend on individual circumstances, selected distance, risk factors, underwriting and minimum premiums. It is not a guaranteed saving or a personal quote.
Who handles claims, and can you choose a repairer?
Real says Hollard administers claims. It describes phone lodgement as available 24 hours a day, seven days a week, including for emergency claims involving towing, and says non-emergency claims can be lodged online. Those are statements about the process, not independent evidence of how well claims are handled or their outcomes.
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Real’s FAQ says its policies do not offer a choice of repairer. Real selects a qualified repairer from its network near your home or workplace. You can submit a quote from a repairer you prefer, but Real retains the final say on who completes the work. Real says repairs performed by approved or appointed repairers are guaranteed; check the policy documents for the terms of that guarantee.
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- Match the PDS to your policy’s commencement or renewal date, and review any applicable supplementary updates.
- Confirm the insured vehicle, agreed value, selected cover type and any optional benefits on the Certificate of Insurance.
- Check every applicable excess, including additional excesses, and consider the total you could have to pay after a claim.
- Disclose car-insurance claims from the prior three years accurately. Real warns that inaccurate information may affect policy validity or claim payment.
- If considering Pay As You Drive, compare your likely annual distance with the declared range and the end-odometer condition.
- Get an individual quote. The product comparison’s possible savings are not a price prediction for your circumstances.
Is Real Insurance Comprehensive a good choice?
It may be worth considering if you want the broad type of cover Real describes for your own car and third-party property, and the policy’s actual value, excesses and optional benefits work for your circumstances. A key trade-off is repairer choice: Real says it selects the repairer, though you may submit a preferred repairer’s quote. The available insurer materials explain advertised features and processes; they do not establish independent customer satisfaction or claims-quality results, so this review cannot rate Real on claim outcomes.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

