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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

Customer review

Stephen Boston - Rated 5 out of 5

Gis i did

Good price and easy to deal with

Trusted Customer - Rated 4 out of 5

Easy to deal with and simple

Customer review

Anthony Fuhrmann - Rated 5 out of 5

We took policy out over the phone very prompt service,we shopped around and your price was the best

Valuable

Saeid Khorrami Pour - Rated 5 out of 5

I’d recommend to anyone because of the prices and services.

Customer review

Trusted Customer - Rated 5 out of 5

So happy with quote. great service no problems

Repeat insurer!

Trusted Customer - Rated 5 out of 5

I now have both my vehicles comprehensively insured with real insurance. it is not the 'cheapest' cover available but i'm content with the terms & conditions of the policy. i would (& do) recommend real insurance...

Customer review

Grant Frank - Rated 5 out of 5

The communications were outstanding and easy to understand.

Customer review

Trusted Customer - Rated 5 out of 5

Quick to answer phone, and helped with whatever i needed with a positive attitude

Customer review

Trusted Customer - Rated 5 out of 5

Good price and good customer service

Fast friendly service

Georgia Planken - Rated 5 out of 5

Great fast helpful service

Customer review

Wayne Mitchell - Rated 4 out of 5

Waiting time on phone not too long, courteous staff, knowledgeable with transaction carried out reasonably quickly.

Best to deal with!

Trusted Customer - Rated 5 out of 5

The transaction was quick and within minutes i had my policy number and insurance documents.

Affordable car insurance

Theodore Agathos - Rated 5 out of 5

I’ve been insuring my cars with real insurance for 12 years now. i had to make a claim about 5 years ago and the matter was dealt with quickly and professionally. real insurance offers the best price and options to...

Always helpful

Trusted Customer - Rated 4 out of 5

Real insurance has always been helpful when setting up insurance be it for cars, houses, etc... they are always happy to respond to queries and offer competitive pricing.

Good value

Xiaohua Yang - Rated 5 out of 5

Yes i recommend this brand

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Customers rate us

Rated 4.3/5 from 216 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. Not applicable to Compulsory Third Party (CTP) Insurance.
  3. Percentages calculated by comparing night-time parking options selected by Real Car Insurance customers from June 2016 to June 2017.