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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

Quick phone call!

Trusted Customer - Rated 5 out of 5

Very quick phone call (i wasn’t out on hold at all). super easy to understand and they answered my query efficiently.

Customer review

Kelly Leeson - Rated 5 out of 5

Everything went smoothly to set up car insurance and the price was good too. thanks

Quick affordable and easy to use

Loretta Cannon - Rated 5 out of 5

Straightforward and easy to use and extremely affordable car insurance

Customer review

Lingesh Ananth Palanianantham - Rated 5 out of 5

The spot on response from elizabeth was amazing. 5 stars to her support.

The previous customer service persons were...

Trusted Customer - Rated 4 out of 5

The last customer service person was really good & clear. some of the previous ones were not as good

Great cover and affordable

Trusted Customer - Rated 5 out of 5

Easy process and affordable.

Thankyou for caring about my experience.

Darryl Leech - Rated 4 out of 5

The operator went to great lengths to get the exact policy that i wanted, which after three tries we obtained.

Customer review

Brendan Ryan - Rated 5 out of 5

The consultant that helped me update my car insurance was friendly, competent and helpful.

Customer review

Trusted Customer - Rated 5 out of 5

Easy & hassle free

Customer review

Trusted Customer - Rated 5 out of 5

Easy & hassle free

Customer review

Daniel Warin - Rated 5 out of 5

Excellent !

Customer review

Faye Manoharan - Rated 5 out of 5

I purchased the insurance online

Customer review

Ramon S Mercader - Rated 4 out of 5

Was quick and reasonable.

Customer review

William Kessie - Rated 5 out of 5

The customer service is amazing

Customer review

Trusted Customer - Rated 5 out of 5

Hopefully if i ever need to make a claim i hope it will be as easy and i’ll be as happy as it was to take out my new policy !!!!!

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Customers rate us

Rated 4.3/5 from 469 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.