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Pay As You Drive Car Insurance

You could save up to $220 with Pay As You Drive1

Plus save up to 10% when you buy online2

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Pay As You Drive Car Insurance

Drive less? Save more! You could save up to $220 with Pay As You Drive.1 Enjoy the peace of mind of full Comprehensive cover but only pay for the kilometres you plan to drive.

Pay As You Drive car insurance offers all the benefits of Comprehensive car insurance at a reduced rate for those who don’t drive a lot. Only pay for what you plan to use, and rest assured that you can top up if required.

Examples of customers saving with Pay As You Drive include:

  • Short Trip Drivers
  • Public Transport Users
  • Second Car Owners
  • Retirees
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For full details including limits and exclusions of these benefits, please read our Product Disclosure Statement.

What’s Covered

  • Loss or damage to your car from theft, accidents, fire, or natural events
  • Damage to other people’s cars and property caused by you or your car
  • New for Old replacement if your car is a total loss in the first two years3
  • Select personal property damaged or stolen from your car – up to $500
  • Child safety seats and prams stolen or damaged in an accident – up to $500
  • Essential repairs to get you back on the road, plus reasonable towing costs – up to $500
  • Emergency accommodation if theft or damage occurs more 200km from home
  • Costs towards a hire car after theft – up to 14 days
  • Damage to a caravan or trailer in an accident while towed by your car
  • Loss or damage to your car during transport anywhere within Australia
  • Lock and key replacement for peace of mind if your keys are ever stolen – up to $1,000

General Insurance Code of Practice Subscriber

To make sure you receive the highest standard of service when taking out cover, we comply with the General Insurance Code of Practice.

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

Provide your start odometer reading

Next, you will need to provide the start odometer reading of your car when you purchase the policy.

Your end odometer reading is calculated by adding the amount of kilometres you plan to drive to the start odometer reading that you have disclosed.

Step 3

Top up your kilometres

If at anytime during the year you are coming close to your end odometer reading, simply call us to top up your kilometres. This will increase your end odometer reading. (You’ll need to pay extra premium to increase your end odometer reading).

If you make a claim at a time when you’re above the end odometer reading shown on your Certificate of Insurance, then you’ll need to pay the basic excess, an Outside odometer excess and any other applicable excesses at the time of a claim.

Add Optional Extras

Excess Free Window Screen Cover

Get cover for accidental front windscreen damage.

  • You’re covered for the cost of repairing or replacing your front windscreen if it’s accidentally broken.
  • There’s no excess for the first claim of each insurance period.
  • Access to professional windscreen repairs you can trust.

10 or 20 Day Hire Car Cover

So you won’t be left without wheels if your car is damaged.

  • If your car is stolen or can’t be driven due to an accident, we’ll pay you for the cost of a hire car of the same standard.
  • Choose between 10 or 20 days worth of cover, so you can get the level of protection you need, while keeping your premiums low.

Real Roadside Assistance™

Peace of mind 24/7 Australia-wide.

  • A jump start or a replacement battery installeda after breakdown
  • Your spare tyre fitted or transport of your car to the closest tyre outlet
  • Any breakdown-related minor roadside repairsb
  • $50 towards locked or lost key replacement or locksmith
  • Towing up to 100km within a capital city or major town
  • Delivery of emergency petrol to get you to the closest petrol stationc

Real Insurance, Real Easy

We are pleased to offer our customers flexible payment options for our Pay As You Drive 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.

Make a Claim Call 13 19 48

Why Choose Real Car 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

Award Winning Insurer

At Real Insurance we pride ourselves on providing the best service and value for our customers

  • Gold Trusted Service Award logo from Feefo
    Gold Trusted Service Award 2019, 2018, 2017
    – Feefo
  • Quality Service Award from Reader’s Digest
    Gold Quality Service Award 2019
    – Reader’s Digest
  • Exceptional Value Car Insurance Award from Mozo
    Exceptional Value Car Insurance Award 2018
    – Mozo
  • Customer Satisfaction Award from Roy Morgan
    Customer Satisfaction Award 2017, 2015, 2013, 2012
    – Roy Morgan
 

Save up to 10% when you buy online2

Call us Call 13 19 48

Other Commonly Asked Questions

I’ve had a car accident. What should I do?

Step 1

Make sure you and your family are safe and your car is secure so it is not damaged further.

Step 2

You will need to get details of anyone else involved i.e. full name, address, phone number, registration number, driver’s licence number and insurer.

Step 3

Report the incident to the police if the law requires it to be reported.

Step 4

Call our claims team 13 19 48, 24 hours a day, seven days a week

If you can’t contact us, do everything you can to prevent any further damage, including having your car towed to the nearest safe place.

Can I choose my own repairer when I make a claim?

If you need to make a claim and your car needs repairs, we’ll choose a qualified repairer located as close as possible to your home or work from our extensive network. When you use one of our approved or appointed repairers, the repairs are covered by a guarantee.

If you prefer to choose your own repairer, you can arrange for a quote and send it to us although we have the final say on who will do the repairs.

How do I lodge a car insurance claim?

 

It’s easy to lodge a car insurance claim with Real Insurance. Just call 13 19 48 and our personal Client Manager will help you through the process, step by step. You can also submit a claim online through our online Claims Centre if it’s not an emergency.

 

What happens if I don’t disclose all my claims or forget to tell you about claims I have had?

You need to disclose previous car insurance claims within the last 3 years for us to determine whether we are able to offer you cover. When you make a claim we may verify your previous claims history. If you do not disclose the correct information, we have a right to cancel your policy and not pay your claim.

What is a car insurance excess?

An excess is the amount you need to contribute towards the cost of repairing your car if you make a claim. To make car insurance premiums more reasonable for everyone, we include an excess in your policy. Then, when you make a claim, you’ll need to pay your excess(es).

There are different types of excesses, which you or the driver of your car at the time of the claim might need to pay. If your claim is for more than one accident or event, you or the driver will have to pay the excess for each accident or event. You can find the amount of excess you’ll need to pay on your Certificate of Insurance.

When will I need to pay an excess?

In the event of a claim and you are required to pay an excess(es), then we will ask you to pay:

  • your excess(es) to the repairer when you pick up your car; or
  • directly to us when we request it; or
  • we may deduct your excess(es) from the amount we agreed to pay you

How does the excess amount affect the premium I pay?

The excess is the amount you contribute towards a claim, therefore, if you are willing to contribute more at the time of a claim (higher excess) you will have a lower premium during the policy period. A lower excess would mean you would pay a higher premium.

Can I change my car insurance excess?

You have the flexibility to increase your excess at any time during your car insurance policy. However, you can only decrease your excess when renewing your policy or during the 14 day cooling off period if you have not made a claim.

What is an ‘agreed value’?

The agreed value of your car is the amount we agree to insure your car for. The agreed value is valid for the term of your car insurance policy. The agreed value for your car is shown on your current Certificate of Insurance. This amount may change with each renewal.

What is ‘market value’?

The reasonable market-related value that we determine the market would pay for your car immediately before its loss or damage. We take into account the age, make, model, conditions and kilometres travelled by your car and may consider industry publications to help determine the amount. The amount does not include any registration costs, stamp duty or transfer fees or allowance for dealer delivery.

Market value includes an allowance for accessories. The market value may be subject to a limit, which if applicable, will be shown on your Certificate of Insurance.

Are there any optional benefits I can add to my car insurance?

Depending on the type of car insurance cover you choose, you can add optional extras, such as Hire Car cover, Excess Free Windscreen cover or Real Roadside Assistance™. Simply choose the extras you’d like when you get a car insurance quote online, take out a policy, or ask our friendly customer service consultants when you call.

Am I covered for windscreen replacement even if I don’t have the extra Excess Free Windscreen option

If your windscreen is damaged we will pay the cost of replacing or repairing the front windscreen. An excess will be applicable.

What is the Pay As You Drive option?

Pay As You Drive is a unique concept in car insurance that offers all the benefits of Comprehensive insurance for a reduced cost. Available exclusively to people who don’t drive that much, Pay As You Drive helps you save, because you only pay for the kilometres you plan to drive.

If you qualify, you can apply for the Pay As You Drive option as part of a Comprehensive car insurance policy. You’ll also need to nominate the number of kilometres you plan to drive in the year ahead, and provide your car’s ’start’ odometer reading. We will then calculate your end odometer reading.

If you are coming close to and/or think you will go over your end odometer reading, please call us beforehand on 13 19 48 to apply to increase your end odometer. There will be an additional premium that will apply when increasing your end odometer reading.

If you have an accident and make a claim, and you’re above the end odometer reading shown on your Certificate of Insurance, then you may need to pay the basic excess, an Outside odometer excess and any other applicable excesses at the time of a claim.

Do I qualify for Pay As You Drive cover?

If you are not driving frequently you could qualify for our Pay as You Drive cover and save money on your car insurance. If you are eligible for our Pay As You Drive cover when obtaining a quote, you will be offered that option.

How do I get Pay As You Drive car insurance?

It’s easy to sign up for Pay as You Drive car insurance. Simply get a quick car insurance quote online to check if you qualify, and discover how much you could save. If you qualify, simply accept the quote, provide your car’s odometer reading when you sign up for your policy, and the Pay as You Drive option will be shown on your Certificate of Insurance.

For more information, check the Real Car Insurance Product Disclosure Statement.

What is the starting odometer reading?

Your car’s odometer reading you provide when you first take out the Pay As You Drive cover. This reading will be shown on your Certificate of Insurance in your first period of insurance.

What is CTP Insurance?

CTP Insurance, also known as a Green Slip in NSW, is Compulsory Third Party insurance. It is mandatory to have CTP Insurance in order for you to register your car to drive in Australia.

What is the difference between CTP Insurance and a Green Slip?

They are the same thing. In NSW, CTP insurance is often called a Green Slip because historically the paperwork was actually green!

Are there any differences between CTP insurers?

There are only two real factors to consider when deciding which insurer to go with, price and if they offer any additional benefits or coverage.

What does my CTP Green Slip Insurance cover?

CTP Insurance covers you for any compensation claims made by people injured in an accident involving your car. This insurance covers medical costs, rehab and other expenses relating to injuries resulting from the accident.

How can I pay for my car insurance policy?

You can pay by direct debit from a credit card or bank account. We’ll set up an automatic payment schedule for you so you don’t need to do anything when your premium is due – it’s all done for you!

How can I reduce my car insurance premium?

We’d be happy to help! We have a wide range of car insurance products, so you can choose a policy that’s affordable for you. Here are some of the ways you can keep costs down:

  • If you want Comprehensive cover but you drive less than your neighbours, check to see if you qualify for Pay As You Drive cover.
  • Choose a higher excess. The higher your excess, the lower your premium. But remember, while your premiums will be cheaper now, you will have to pay more if you need to make a claim.

How do I renew my car insurance policy?

One of the great things about having insurance with Real Insurance is our no-fuss automatic renewals. So when you receive your insurance renewal documents, you must read over the details and check that everything is correct. If nothing has changed, then you can just relax while your policy renews automatically. You only need to call us on 13 19 48 if you need to make changes to your policy or details, or you do not wish to renew with us.

What no-claim discount do you offer on car insurance?

At Real Insurance, we believe in giving all our customers real savings and real value right from the start. So instead of promising you a no claim bonus sometime in the future, we give you lower-cost insurance from the day you join.

We work out your premium by considering factors like the type of car you want to insure, your age, other drivers of your car, your location and your insurance history, then give you the best possible deal every time.

To find out how much you could save, get an online car insurance quote today.

Do you offer CTP green slips?

Real Insurance is pleased to offer NSW drivers competitive CTP Green Slip Insurance.

Do you offer cover notes?

No, we do not offer cover notes for car insurance cover.

Do you have age restrictions on your car insurance?

We insure licenced drivers and learner drivers. We do not cover drivers that are younger than any age restriction shown on your Certificate of Insurance as certain vehicles have higher age minimums. We will not cover drivers under 25 if you have selected to exclude drivers under 25 years old for your policy.

How do I make changes to my car insurance policy?

You can make changes to your car insurance policy quickly and easily by calling us on 13 19 48. It only takes a few minutes, and there are no administration fees. Remember, depending on the changes you make, the cost of your car insurance premium could change too.

You can also use our online Car Insurance Account to:

  • Access your policies.
  • View your Certificates of Insurance.
  • Update your contact details and payment information.

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 drive a lot and want the freedom of unlimited kilometres, find out more about our Comprehensive Car Insurance

Save up to 10% when you buy online2

Call us Call 13 19 48

Read what our customers are saying

The best ever

Jill Mckellar - Rated 5 out of 5

I have never been involved with such a competent insurance company i am so impressed..

Simple to use app and friendly call centrehelp

Glenn Carter - Rated 5 out of 5

Very simple and asy to use app to get car insurance quote. i saved over $1,200 dollars switching from nrma, who i had been with for over 22 years. they do not offer a kilometre based incurance package.

Customer review

Trusted Customer - Rated 5 out of 5

Easy to use quoting system and competitively priced

S**t company with zero customer care interests...

Ben Cowell - Rated 1 out of 5

Some of the worst i have ever known. shocking company and i am still waiting for my refund. not happy at all.

Easiest & cheapest car insurance!

Trusted Customer - Rated 5 out of 5

This is by far the easiest and cheapest car insurance company to deal with. best value for money, i can highly recommend!

Keep up your good work

Allan Doughty - Rated 5 out of 5

Always helping good to talk to

Customer review

Philip Kemp - Rated 5 out of 5

Easy and competative.

Customer review

Trusted Customer - Rated 4 out of 5

Be polite and show respect

Efficient and helpful responses

Trusted Customer - Rated 5 out of 5

Telephone service is excellent and very efficient action after hail damage early in 2019

Customer review

Janet Oldenburg - Rated 5 out of 5

I would recommend them to other people. they were clear and concise in explaining the policy

Brilliant.

Robert Mccammon - Rated 5 out of 5

My expienence with real, was one that was a phone call from the a car dealership, the call was beautifully handle, by one of your excellent staff. while the transaction was a little slow ( had trouble find the car...

Customer review

Trusted Customer - Rated 5 out of 5

I got my car insurance online and found it very easy to do, good website.

Customer review

Alison Green - Rated 5 out of 5

Easy to do online & would be likely to use again.

Disapointing.

Hannah Harn - Rated 1 out of 5

Dreadful and insulting

Call centre was hopeless.

Jennifer Weymouth - Rated 5 out of 5

Call centre sounded like they had just woken up. even when spelling my surname the couldn’t find me. noisy in the background. she then spoke to another colleague about me without placing me on hold. had to ask...



  1. Savings between $0 to $220 derived from profiles based on Real Pay As You Drive customers, as of 1 March 2019. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Minimum premiums may reduce savings.

    If you are driving more, your agreed kilometres can be increased/extended during the policy period, an additional premium is payable. If your agreed kilometres are exceeded, an additional excess will be applied in the event of an accident.

  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. Applies in the event of a total loss, provided you are the first registered owner of vehicle.
  1. If your battery is flat we arrange for a jump start or coordinate a replacement battery if required. We do not cover the cost of the replacement battery but we can arrange the supply as part of our service.
  2. The cost of repairs, including labour and any required parts, will be your responsibility.
  3. If you drive an LPG fuelled vehicle, we will arrange for the towing of your vehicle to the nearest petrol station. The delivery is free, and the maximum value of fuel provided is $10.