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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.

Save up to 10% when you buy online2

Get a Quote in Minutes

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

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.

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
  • 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

Plus get even more protection with our optional extras:

This is a summary of the Pay As You Drive cover. For full details including limits and exclusions of these benefits, please read our Product Disclosure Statement.

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

More and more Australians are discovering the savings of Pay As You Drive Car Insurance.

Share of New PAYD Customers [graph]

Pay As You Drive Car Insurance has grown to 50% share of our new policies in FY16/17 from 43% in FY15/16.4

Save up to 10% when you buy online2

Get a Quote in Minutes

Need help deciding?

Pay As You Drive Q&A

Find fast answers to commonly asked Pay As You Drive 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 drive a lot and want the freedom of unlimited kilometres, find out more about our Comprehensive Car Insurance.

See how easy it is to apply for Pay As You Drive Car Insurance. Call us on 13 19 48 or Request a Quote.


Read what our customers are saying

Good value all round

Joseph Manche - Rated 5 out of 5

Helpful staff and fair prices for reduced driving

Customer review

Theo Talidis - Rated 5 out of 5

Nice person on phone was really happy with service

Customer review

Trusted Customer - Rated 5 out of 5

Spoke english clearly

Customer review

Kerrie Sacco - Rated 5 out of 5

Happy with the service

Customer review

Trusted Customer - Rated 4 out of 5

Yes prices were very good and quick service

So simple and easy online service. thank you

Nada Jonjic - Rated 5 out of 5

Very easy and quick online quote for car insurance. i had my insurance within minutes. no long phone call hassle or waiting. simply awesome.

Competent. courteous.

Trusted Customer - Rated 5 out of 5

The customer service staff member was absolutely lovely and completely competent while changing details over the phone which was quite a complex task as circumstances had changed a lot. she was patient, calm,...

Customer review

Chris Christodoulopoulos - Rated 5 out of 5

Excellent customer service and customer service officer knew the product and helped me decide easily.

Customer review

Trusted Customer - Rated 4 out of 5

Friendly reliable quality service!

Great service

Trusted Customer - Rated 5 out of 5

Great service

Excellent operator services

Nga Ly - Rated 5 out of 5

Services is excellent the operator are very nice and guide very clear even i just call after quick quote on line i will recommend your company to my family and friends

Customer review

Trusted Customer - Rated 5 out of 5

Easy to use online application, flexible coverage and a very good price.

Customer review

Trusted Customer - Rated 4 out of 5

Easy to move, was able to do everything online at a time that suited me

Great service.

Trusted Customer - Rated 4 out of 5

The woman i spoke to on the phone was very friendly and very helpful. i was able to get all the insurance sorted that i needed to.

Easy to buy a motor policy.

Trusted Customer - Rated 4 out of 5

I actually did not speak to any anyone. i was able to buy the policy online completely by myself so i appreciate the user-friendliness of the website.

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Customers rate us

Rated 4.4/5 from 194 Reviews


  1. Savings between $0 to $220 derived from profiles based on Real Pay As You Drive customers, as of 1 November 2017. 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.
  3. Applies in the event of a total loss, provided you are the first registered owner of vehicle.
  4. Percentages calculated from number of new Real PAYD policies over total number of all new Real car insurance policies during the specified periods.