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Pay As You Drive Insurance

If you want the security of Comprehensive car insurance but you only drive a little, then Pay As You Drive cover could be for you. This cover offers all the benefits of Comprehensive cover for a competitive price because you only pay for the kilometres that you plan to drive.

Save up to 10% when you buy online1

Get a Quote in Minutes

What’s covered

  • Get more protection with optional extras
  • If your new car is a total loss in the first year we may replace it with a brand new car and pay your on-road costs as well
  • If you use one of our specially selected repairers when you make a claim, we'll give you a guarantee on their repairs
  • Pay out of up to $500 to help replace child safety seats, baby capsules and prams damaged as part of your claim
  • Lock and key replacement if your car keys are stolen
  • Coverage of valuables in your car if they're damaged in an accident
  • Help with repair cost to your trailer or caravan if attached to your car in an accident
  • Protection against damage to your car when it's being transported

For full details and to decide which cover is right for you, read our Product Disclosure Statement.

How it works

Step 1

Get a quote

Call us on 13 19 48 or Get a Quote & Buy Online, and tell us how many kilometres you plan to drive each year. We'll let you know if you qualify and give you a quote.

Step 2

Choose your range

Next, confirm how many kilometres you plan to drive during the year ahead.

Step 3

Top up your kilometres

If you think you’ll go over your range, simply call us to top up your kilometres. (You’ll need to pay to increase your kilometre range.)

If you make a claim at a time when you’re over your agreed range, then you’ll pay a higher excess, shown on your Certificate of Insurance.

Compare Pay As You Drive to Comprehensive car insurance.

Why choose Real Insurance?

  • Save when you buy online, with an instant discount of up to 10%1
  • Choose your level of excess to keep premiums low
  • Choose either market value or your own agreed value for cover to help you save even more
  • 24/7 claims lodgement and emergency assistance
  • Flexible payment options and pay by the month at no extra cost

Make the switch today. Call us on 13 19 48 or Get a Quote & Buy Online.


  1. 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.