We offer direct debit from either a bank account or credit card. By taking payments automatically from your account or credit card, you don't need to worry about calling us to pay for your policy- it's done for you!

You can pay each year on an annual basis, or, if eligible, you can pay by the month at no extra charge.

Please be assured that all information provided to us, by you, is secured against unauthorised access as per our Privacy Policy. Your bank details will only be used for the payment of your policy.

For credit card payments, we accept MasterCard and Visa only. If it's easier we can also debit directly from your specified bank account.

If your payment date happens to fall on a weekend or public holiday, the payment will be taken out on the next business day.

We do not offer fortnightly payments, but we do offer annual and monthly payments. The great news is we don't charge you any extra if you pay by the month.

No, we don't charge you any extra to pay your policy by the month. At Real Insurance, we pride ourselves on the fact that we don't have any hidden admin fees on our policies.

We are unable to delay payments. If however, during your policy period, one of your payments is unsuccessful, you have 30 days from your payment due date to arrange payment before your policy is cancelled. If your policy is being renewed, you will have 14 days from your payment due date to make this payment.

The Real Bonus is a great part of being insured with Real Insurance. If you have not had a claim against any of your Real Insurance for 3 years in a row, you will get back 10% of the premiums you have paid us during that time.

So, if you paid a premium of $400 each year for 3 years in row, we would give you back $120 at the end of those 3 years, if you haven't had a claim against any of your Real Insurance.

Not all claims affect your Real Bonus. If the damage to your vehicle is caused through no fault of your own and agreed by us you will not lose our Real Bonus.

You will start earning your Real Bonus from the date your claim is made, provided that you have had no other claims on any of your Real Insurance for 3 years in a row.

Real Insurance does not offer a No Claim Bonus. When you get a quote with us, we will give you the best price we can for your particular set of circumstances. We do offer a different kind of bonus - the Real Bonus. If you have not had a claim against any of your Real Insurance for 3 years in a row, you will get back 10% of the premiums you have paid us during that time.

We consider many factors when calculating your insurance premium E.g. your age, your suburb and your insurance history, just to name a few. Get a quote and compare the difference, and see how much you could save.

Yes, if you take out more than one policy with Real Insurance, you will receive a multi-policy discount to your portfolio which means you could save up to 10%.

If you ring us on 1300 30 16 18 and buy your policy over the phone, you will save an extra 5%. We also offer a multi-policy discount of up to 10% if you have more than one policy with us.

Market Value is what the vehicle is worth just before an incident, and is dependant on things such as the make, age and condition of the vehicle.

An agreed value is an amount we can agree upon with you to insure your vehicle and is valid for the term of the policy.

Our values are provided by Redbook. Redbook is an Australian motor industry leader in retail car pricing. Their market values are updated on a monthly basis.

Redbook is an Australian motor industry standard vehicle pricing guide. You can learn more about Redbook on www.redbookasiapacific.com.au.

We don't offer CTP Green Slips here at Real Insurance. However we do offer comprehensive, third party property damage and third party fire and theft insurance on cars.

In the occasion you or anyone who drives your vehicle falls into one of the following categories, an additional excess may apply on top of your basic excess:

• Age excess – For drivers under 21 and for drivers from 21- 24 years of age.
• Inexperienced driver excess – For drivers over 25 years of age and have not held an Australian license for more than two years.
• Undeclared young driver excess – For a driver under the age of 25 and at the time of the accident has not been declared or nominated as a driver on your insurance policy.
• Special Excess – A special excess may be applied to your insurance and it will be based on your driving record and insurance history. If a special excess is applied you will be advised in writing and the excess will appear on your insurance certificate.

Absolutely! We have a benefit of Excess Free Windscreen cover and we also offer an option for Hire Car cover. These two benefits can be added to your Comprehensive Cover.

The time that it takes to process a claim depends on the claim itself. Some claims can be processed in a matter of days while other claims, especially when quotes and assessments need to be obtained, can take longer.

Fortunately for you, most of the claims process can be completed over the telephone. To ensure we get all of the details right, we may ask you to put pen to paper to assist us in finalising the claim. Our claims team will be able to help you through this process.

To lodge a claim you can call 1300 00 7325 and our claims team will be able to help you through the process.

Sure can! However, If you don't have a preferred repairer we can have it fixed at one of our qualified repairers in your area.

We do not offer cover notes here at Real.

Real Insurance is a trading name of The Hollard Insurance Company Pty Ltd (Hollard). Hollard has been operating in Australia since 1999, issuing more than 150, 000 policies and insuring more than $2 billion worth of assets in that time. The international Hollard Group conducts business in Australia, Africa, the UK, USA and South East Asia. You may learn more about Hollard at www.hollard.com.au.

Our quotes are valid for 30 days.

Our product range includes:

• Home and Contents Insurance
• Landlord's Insurance
• Car Insurance
• Life Insurance
• Funeral Insurance

We don't have any admin fees at Real! That's right; we don't charge you any admin fees if you pay by the month, cancel a policy or to make changes to your policy.

One of the great things about Real Insurance is our automatic renewal process. So, when you receive your renewal letter, simply read over the information and check all details are correct. Then all you need to do is sit back and your policy will renew automatically.

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!.

For your convenience, and to make sure that you are adequately covered, we automatically increase your sum insured on renewal by 3%. By doing so, we make sure that your sum insured is in line with Consumer Price Index (CPI) increases.

We do not offer a business insurance product, but if you do run a business from home we may be able to still insure your home and/or contents as long as certain criteria are met. Call us on 1300 00 7325 for more information.

If your Home/Building has a Strata Title and is insured under a Body Corporate we will not insure the Home/Building. However, if your Home/Building has a Strata Title and is not insured under a Body Corporate we will insure your Home/Building.

Strata Title is a title based on dividing the site into lots with separate titles. The most common application of Strata Title is for units; however it is also used for complexes with a number of duplexes and villas.

For our Home and Contents products the minimum sum insured are as follows:

Home – $120,000
Contents - $20,000

Also for our Landlord products the minimum sum insured are as follows:

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

With Real, by choosing your own sum insured you have peace of mind, knowing that up to that amount may be available to you if you suffer a total loss of your home. We are providing you with a premium that covers the replacement cost of your home; there is no advantage in being over-insured or paying a higher premium because of this.

We can only provide general advice; we can't provide you with advice around the replacement cost of your home. The figure should include the rebuild cost of your home, not including land value, but including allowances for the clearance of debris from the land in the event of a total loss. If you are unsure of the replacement cost you can consult a builder or architect and they should be able to assist you.