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


Pamela Quilliam - Rated 5 out of 5

Very good and very helpful

Better price then other insurance companies. very...

Daniel Vandencorput - Rated 5 out of 5

Easy to use website. better agreed value and same price as other companies even with rating one.

Customer review

Anne Grobler - Rated 5 out of 5

Brilliant . agent was very good and very friendly.

Always a easy pleasure to do business with

Kevin Glover - Rated 5 out of 5

Excellent service on the phone and follow up service

Customer review

Tracy Sheen - Rated 5 out of 5

So easy

Customer review

John Doherty - Rated 5 out of 5

Very professional and answered all my questions and was able to update my insurance very quickly without any problems

A human and helpful

Trusted Customer - Rated 4 out of 5

Customer service was great. dealt with 3 different people, the initial set up of car insurance and then some extra enquiries after. didn’t go to plan what was requested, but the super nice lady was all over it and...

Quick and easy access and information

Trusted Customer - Rated 5 out of 5

Easy access to website and information required and if you do call for assistance you do not wait too long for a customer representative to answer call to assist.

Very easy to deal with real insurance

Brendan Parker - Rated 5 out of 5

Terrific...very easy to insure new car and cancel old policy

Customer review

Ana Shostak - Rated 5 out of 5

Brayden was most helpful and very professional, courteous and friendly, thanks for correcting my policy with minimal fuss.

Great customer service

Michael Head - Rated 5 out of 5

Staff were knowledgeable in the explanation of my 2 new policies and the price difference was a definite incentive.

Easy and great rates

Trusted Customer - Rated 5 out of 5

The ease of setting up insurance with you guys is fantastic. and my tailored insurance has saved me so much money


Margaret Daniels - Rated 5 out of 5

A policy that can bee widely adapted according to our requirements, with a very competitive price. efficient and courteous telephonist (emily). unlike many other providers, no big price hike after the first year.

Customer review

Timothy Ah Chong - Rated 5 out of 5

Friendly service

Customer review

Mohit Suneja - Rated 5 out of 5

Cheap price than others and covers everything

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Customers rate us

Rated 4.4/5 from 240 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.