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

The best insurance company in australia

Samah Issa - Rated 5 out of 5

Friendly staff fast services and very good choice i have been make it for my family safety

Customer review

Gregorio Baldedara - Rated 4 out of 5

The online service is straight forward. i was able to have a quote and have my insurance in a few straight forward questions. the best thing is when i print out the certificate of insurance , they provide the...

Cheap & competitive

Kaitlyn Summer - Rated 5 out of 5

Online quote

Thank you for the human touch!

David Alcorn - Rated 5 out of 5

My father had funeral insurance and when he passed away ,real insurance made this an easier time for me as the process was very fast and courteous.i was shown great service and surprised at how professional this...

100pc everytime

Richard Twyford - Rated 5 out of 5

Understood what i wanted to do and did it made so easy for me


Trusted Customer - Rated 5 out of 5


Great experience

Alexander White - Rated 5 out of 5

Very helpful. the operator went through everything to make sure it was all covered correctly and to my satisfaction.

Good service

Trusted Customer - Rated 5 out of 5

Very pleasant lady who helped organise the policy

Customer review

Trusted Customer - Rated 4 out of 5

I always find real helpful. have turned to them for insurance for many years.

Too many steps

Carlos Milanesi - Rated 5 out of 5

The fact that i had to have a call back because agent did not have the access to preform the discounting that i needed.

Saving more than 50%!.. very happy!

Michelle Trudgett - Rated 5 out of 5

Was by far the cheapest comprehensive car insurance for my car. because of the savings of around 60%, i thought i should probably read the pds. surprise... apart from the “normal “, the pds seems to be more about...

Customer review

Paul Miller - Rated 4 out of 5

Sam at the call centre was one of the best people i have had to deal with on the other end of the phone. funny, approachable and professional all at the same time. you need more sam's !!


Trusted Customer - Rated 5 out of 5

Great service and well priced

Customer review

Ian Greenland - Rated 5 out of 5

I wasn't able to complete on line.i called them and they helped me complete and gave me a multi policy discount.will continue to insure with them in the future.

Customer review

Trusted Customer - Rated 4 out of 5

Very nice cx service officers over the phone. online application user friendly.

Powered by Feefo

Customers rate us

Rated 4.4/5 from 293 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.