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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

Excellent service

Trusted Customer - Rated 5 out of 5

We were very pleased with the service received, made us feel that real insurance really care about their customers and the great service doesn't stop as soon as the policy is bought and paid for. we will be buying...

Real insurance have great customer service . very...

Trusted Customer - Rated 5 out of 5

It’s great car insurance company . i have an amazing experience with this company. really helpful staff . i would like to recommend this insurance company to all my family and friends. great service .. lucky i am...

All round great service

Robyn Hunter - Rated 5 out of 5

Consultant very helpful, supplied all the information i needed in plain english and offered alternatives to help me decide on the type of product i should choose.

Great and honest company

Nova - Rated 5 out of 5

The customer service representative was very clear when he told me everything about my policy he spoke in very polite, clear and honest way good customer service attuied

Customer review

Dolores Calefati - Rated 5 out of 5

They have always answered my questions

Customer review

Troy Pearl - Rated 5 out of 5

Great service, great pricing.

Customer review

Trusted Customer - Rated 4 out of 5

I'm not impressed that i was not sent/emailed a receipt for the payment.

Gave me an honest quate, price didn't change at...

Yali Xiao - Rated 5 out of 5

Honestly

Customer review

Trusted Customer - Rated 4 out of 5

Competitive pricing.

Very helpfull

Steven Halta - Rated 5 out of 5

They were very polite and helpful

Customer review

Samuel Marsh - Rated 5 out of 5

Less annoying by far than any customer service person from youi.

Excellent customer service

Laura Smith - Rated 5 out of 5

I obtained a quote from the website but had a specific question and had to ring them. the staff member was friendly and helpful so i was very happy with the service

Great customer service

Trusted Customer - Rated 5 out of 5

I have been a customer of many years, i will not be changing any time soon.

Customer review

Renee Clugston - Rated 4 out of 5

Really easy to talked to. and hoped i have a good birthday tomorrow

Easy and transparent process

Sharron Wilkinson - Rated 4 out of 5

Easy. i entered my car registration number, and all the relevant details came up. modelling different excesses and their effect on premiums was quick and easy, it was easy to compare the comprehensive and pay as...

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Customers rate us

Rated 4.4/5 from 387 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.