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Comprehensive Car Insurance

Comprehensive Car Insurance covers your car – and a whole lot more, like select personal property, child seats, towing charges, and costs towards a hire car after theft to get you back on the road after an accident.

Get covered for damage caused to other people’s cars or property in an accident when you’re at fault.

And, if you are the first registered owner of a car that is less than two years old, you could even be covered for the New for Old replacement of your car if your car is a total loss.1

Comprehensive Car Insurance is complete cover against the unpredictable – theft, accidents, fire and weather-related damage – rain, hail or shine.

Save up to 10% when you buy online2

Get a Quote in Minutes

Real Insurance, real easy

We are pleased to offer our customers flexible payment options for our Comprehensive Car Insurance cover.

And, in the event that you need to make a claim, our claims lodgement and emergency assistance centre are happy to help. Our claims team is available 24 hours a day, seven days a week on 13 19 48.

What’s covered

  • Theft, accidents, fire, or weather-related damage to your car
  • Other people’s cars or property damaged by you in an accident
  • New for Old replacement if your car is a total loss in the first two years1
  • Damage or loss of select personal property inside your car – up to $500
  • Accidental damage or loss of child safety seats and prams – up to $500
  • Emergency repairs to get you back on the road, plus reasonable towing costs
  • Accommodation costs if a claim occurs more than 200km from your home
  • Up to 14 days hire car costs to keep you mobile if your car is stolen
  • Damages to your caravan or trailer if damaged while being towed
  • Loss or damage to your car during transport anywhere within Australia
  • Lock and key replacement to keep your car secure if your keys are stolen

Plus get even more protection with our optional extras:

This is a summary of the Comprehensive Car Insurance cover. For full details including limits and exclusions of these benefits, please read our Product Disclosure Statement.

Save up to 10% when you buy online2

Get a Quote in Minutes

Why choose Real Insurance?

  • Save up to 10% when you buy online2
  • Flexible payment options
  • 24/7 claims lodgement and emergency assistance
  • We don’t have assessment centres, we use everyday repairers
  • Real Insurance is a multi-award winning insurance company

Save up to 10% when you buy online2

Get a Quote in Minutes

Get the peace of mind of around the clock cover with Real Comprehensive Car Insurance.

Whether you’re like the 51% of our customers that park their car in a garage overnight, or like the 49% of our customers that park elsewhere3, you can rest assured knowing our Comprehensive Car Insurance covers you while you’re sleeping.

Where customers park their car at night [graph]

Need Help Deciding?

Car Insurance Q&A

Find fast answers to commonly asked Comprehensive Car Insurance questions here.

Compare Car Insurance Products

Compare our insurance policy features at a glance to see which best suits you or find out more about our Car Insurance products.

If you don’t drive a lot but still want the benefits of Comprehensive Car Insurance, find out more about Pay As You Drive Car Insurance.

See how easy it is to apply for Comprehensive Car Insurance. Call us on 13 19 48 or Request a Quote.


Read what our customers are saying

Good value all round

Joseph Manche - Rated 5 out of 5

Helpful staff and fair prices for reduced driving

Customer review

Theo Talidis - Rated 5 out of 5

Nice person on phone was really happy with service

Customer review

Trusted Customer - Rated 5 out of 5

Spoke english clearly

Customer review

Kerrie Sacco - Rated 5 out of 5

Happy with the service

Customer review

Trusted Customer - Rated 4 out of 5

Yes prices were very good and quick service

So simple and easy online service. thank you

Nada Jonjic - Rated 5 out of 5

Very easy and quick online quote for car insurance. i had my insurance within minutes. no long phone call hassle or waiting. simply awesome.

Competent. courteous.

Trusted Customer - Rated 5 out of 5

The customer service staff member was absolutely lovely and completely competent while changing details over the phone which was quite a complex task as circumstances had changed a lot. she was patient, calm,...

Customer review

Chris Christodoulopoulos - Rated 5 out of 5

Excellent customer service and customer service officer knew the product and helped me decide easily.

Customer review

Trusted Customer - Rated 4 out of 5

Friendly reliable quality service!

Great service

Trusted Customer - Rated 5 out of 5

Great service

Excellent operator services

Nga Ly - Rated 5 out of 5

Services is excellent the operator are very nice and guide very clear even i just call after quick quote on line i will recommend your company to my family and friends

Customer review

Trusted Customer - Rated 5 out of 5

Easy to use online application, flexible coverage and a very good price.

Customer review

Trusted Customer - Rated 4 out of 5

Easy to move, was able to do everything online at a time that suited me

Great service.

Trusted Customer - Rated 4 out of 5

The woman i spoke to on the phone was very friendly and very helpful. i was able to get all the insurance sorted that i needed to.

Easy to buy a motor policy.

Trusted Customer - Rated 4 out of 5

I actually did not speak to any anyone. i was able to buy the policy online completely by myself so i appreciate the user-friendliness of the website.

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Customers rate us

Rated 4.4/5 from 194 Reviews


  1. Applies in the event of a total loss, provided you are the first registered owner of vehicle.
  2. Up to 10% discount consists of 5% saving for online applicants, savings in first year only. Up to 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.
  3. Percentages calculated by comparing night-time parking options selected by Real Car Insurance customers from June 2016 to June 2017.