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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

Trusted Customer - Rated 5 out of 5

Very professional & knowledgeable also courteous and friendly

Customer review

Michael Ian Randall - Rated 4 out of 5

Gave me what i asked for with no bs.

Excellent service

Adrian Goetsch - Rated 5 out of 5

Agents are knowledable, responsive, helpful, they follow up and call back, and their overall level of service is excellent.

Customer service

Trusted Customer - Rated 5 out of 5

Helpful staff

Customer review

Michael Benfari - Rated 5 out of 5

Great customer service and support.

Customer review

Trusted Customer - Rated 4 out of 5

I just have insured my car with you. hope everything ok.

Customer review

Michael Rowntree - Rated 5 out of 5

Very easy to work with. always been helpful

Customer review

Vincenzo Ballato - Rated 5 out of 5

Fast & efficient service. friendly team & very accommodating. great, competitive prices.

Excellent it system

Michal Matys - Rated 5 out of 5

Easy interaction online. i purchased a policy in no time!

Customer review

Harpreet Jaura - Rated 5 out of 5

Better rate then others. good customer service

Customer review

Stephen Jackson - Rated 5 out of 5

Great customer service

Great customer service

Brankica Cucak - Rated 5 out of 5

Very good customer service. guy was very helpful and whole process was quick

Happy customer

Trusted Customer - Rated 5 out of 5

Great communication and customer service representative was able to answer any queries or concerns that i had. was also able to recommend options to reduce cost.

Customer review

Trusted Customer - Rated 5 out of 5

They are precisely good and no bull. they act on any claims quicker than any other insurance i had..

Was a no hassle procedure

Trusted Customer - Rated 5 out of 5

Easy to talk to and very helpful

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Customers rate us

Rated 4.3/5 from 433 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.