Frequently asked insurance questions

When you buy an insurance policy online with Real Insurance, you can rest assured that you are using a secure website. We use Verisign to keep your payment information private and secure.

• Home and Contents Insurance
• Landlord's Insurance
• Car Insurance
• Life Insurance
• Funeral Insurance
• Income Protection Insurance
• Pet Insurance
• Bicycle Insurance

• Update payment details
• Change your address
• Request a copy of your insurance certificate
• Update your car registration
• Update your financial interest

If you have given us credit card or direct debit details, we will debit the payment from this account on your usual payment date. If you are paying by cheque, you will need to send us a cheque by the renewal date. You don't need to call us unless you need to notify us of any changes to your policy or details, it renews automatically for you!.

Home – $120,000
Contents - $20,000

Home - $120,000
Contents - $5,000

• The date you are moving addresses
• Your new address
• The age of your new home and its construction and security details

If you find a job that interests you at Real Insurance, simply click on the link for that role and then click on the apply button. You need to accept the privacy statement and then click next to start the application process. Please note that no applications will be accepted via email.

If you have forgotten your password, simply click on the ‘login’ button on the jobs listing page. This will take you to a ‘forgotten password’ page. Here you can enter your username and email address and your password will be sent to you.

As a growing company with lots of positions available, our recruitment team can get very busy at times! So please be patient and rest assured we will contact you if we think you are suitable for a position.

Here at Real we encourage our existing team members to refer high quality candidates for our vacant positions. As a reward, team members might be eligible for a referral bonus if you are successful in the position. When you apply for the role, please select the ‘referred by a friend’ option when asked how you heard about the role. Then in the ‘other’ field, please enter your friend’s name.

Yes you can. On our Job openings page, click on ‘new user’ and then follow the instructions to upload your resume. Please note that no CV’s will be accepted via email.

To view current vacant roles go to our Jobs listings page.

Once accepted you’re immediately covered for death by any cause except for suicide or intentional self-injury in the first 13 months of cover commencing, increasing or being reinstated.

A Terminal Illness Benefit is also not payable if the terminal illness is the result of a self-inflicted injury or illness by the life insured.

In most cases your premium will not be tax deductible and tax will not be payable on any benefit paid under your policy.

This information is based on continuance of present tax laws and the insurer’s interpretation of those laws. Your individual situation may differ and you may need to seek qualified professional advice in relation to your particular circumstances.

We make all benefit payments to the Policyowner. If the Primary Life Insured dies while owning the Policy, the Insurance benefit will be paid to the Policyowner’s legal personal representative, or other person that we are permitted to pay under the Life Insurance Act 1995.

You can nominate a person as a beneficiary to receive the benefit when you pass away by simply downloading a beneficiary form, complete it and mail it to Real Insurance, PO Box 6728, Baulkham Hills, NSW 2153

Provided you are an Australian Citizen or permanent resident living in Australia and have no plans to relocate outside of Australia at the time of application, once your application is accepted you’re covered anywhere in the world 24/7.

To help ensure that your level of insurance cover keeps up with increases in the cost of living, your cover level is automatically increased on each policy anniversary by 5%. We will write to you each year to tell you about this, and you can decline this increase if you wish.

The automatic increases stop at the policy anniversary after you reach age 75.

All Australian residents and their partners aged between 18 and 64 are eligible to apply for Family Life Cover. Medical or blood tests are not required as insurability will be determined by your answers to some health and lifestyle questions. This can all be done over the phone.

As long as you pay your premiums, you can keep your policy for life.

You can tailor the benefit amount to suit your needs and budget. If you are an Australian resident aged 18 to 44 you can select a benefit amount of up to $1 million, those aged 45 to 54 can select up to $750,000, those aged 55 to 59 can select up to $500,000 and those aged 60 to 64 can select up to $300,000. The minimum benefit amount is $100,000, and you can select your chosen benefit in increments of $50,000, up to the maximum for your age bracket.

While your claim is being assessed we will advance $10,000 of your benefit, to help with funeral costs and other unexpected expenses.

You will be protected for the full benefit amount you choose from the very first day your cover takes effect, subject to the policy terms and conditions, and you can keep your full cover for life. The benefit will not decrease as you get older, or due to changes to your health.

Many of our customers are surprised at the affordability of this important cover. Cover starts at just $1.46 per week for $100,000 life insurance cover (based on standard rate for a female non-smoker aged between 18 and 34).

Get a quote and see for yourself how affordable Family Life Insurance can be for you, or call 1300 37 7325 and speak to one of our Consultants.

Family Life Cover provides insurance cover designed to help fill the financial gap for your family if the worst were to happen and they were suddenly left without you to provide for them.

If you are the main breadwinner in the family, it’s important to make sure that your family would have adequate funds to ensure that the dreams you have for your family are not jeopardised if you were no longer there.

Family Life Cover is life insurance that pays a cash benefit – from $100,000 up to $1 million that can be used by your loved ones to pay the mortgage or rent, loans, school fees or day to day living expenses.

Even if you already have life insurance (for example through your Superannuation), Family Life Cover can be used to boost your cover levels to take account of the increasing costs associated with inflation and a growing family.

Family Life Cover isn’t just for the main breadwinner. The loss of a partner who takes care of the home and children could also add to family expenses for things like childcare, transportation and housekeeping. That’s why we offer the Joint Plan – so you can protect each other.

There are a range of options available so you can tailor the cover to suit your needs. Options include Children’s Insurance, Total & Permanent Disability Insurance, Accidental Death Insurance and Serious Illness Insurance.

If you cancel your cover within the first 30 days of commencement – for any reason whatsoever – you’ll receive a full refund of premiums you have paid. If you cancel your cover after 30 days, you will not get anything back as Family Life Cover is not a savings plan. However, if you have chosen a yearly payment option, we will refund you a pro rata of the unused portion.

Your premium is calculated each year on the policy anniversary and is based on your age at that time. Premium rates are not guaranteed.

However you can never be singled out for an increase – any variation will apply to all Family Life Cover Policyowners.

If you are an Australian resident aged between 18 and 79 we guarantee to accept you for this insurance.

After the first year of cover there are no exclusions on the cover provided. During the first year of the Funeral Expenses Cover, a benefit will only be paid if death is due to an accident, thereafter the benefit is payable on death from any cause, including sickness and accident.

In most cases your premium will not be tax deductible and tax will not be payable on any benefit paid under your policy.

This information is based on continuance of present tax laws and the insurer’s interpretation of those laws. Your individual situation may differ and you may need to seek qualified professional advice in relation to your particular circumstances.

Yes. Funeral Expenses Cover has been designed to be family friendly. You can choose to cover your life (Single Plan), or cover yourself, your partner and all children who are dependent on you until they reach age 21 (Family Plan). There is no limit to the number of dependent children that can be covered under the Family Plan.