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Owned By: Hollard Insurance Group Underwritten By: The Hollard Insurance Company Pty Ltd

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Real Insurance is a part of the Hollard group of companies which was formed in 1980. The Hollard Group has offices globally and offers a wide range of insurance products and services to more than 6.5 million policyholders worldwide. Since opening in Australia in 1999, the Hollard Group has issued more than 150,000 policies with more than $2 billion worth of assets insured. At Real Insurance you'll find our products are simple, straightforward and easy to understand.

With Real Insurance you'll get the kind of quality products you want and you'll save money along the way. They offer a different insurance to many other companies out there and will usually provide you with a unique quote which means it may end up being the cheapest for you.  They say that all insurance companies are the same. At Real they prove them wrong by doing things other insurers don’t.

Source: Real Insurance

Comprehensive Motor
Owned by:
Hollard Insurance Group
Underwritten by:
The Hollard Insurance Company Pty Ltd
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
No
NCB preserved - if not at fault:
No
Rating 1 Protection:
No
Maximum No claim bonus:
30%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
12 months old
Essential Repairs:
$300
Emergency Accommodation &/or Transport:
$500
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
No
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
Optional
Rental car after accident:
Optional
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Third Party Property Motor
Owned by:
Hollard Insurance Group
Underwritten by:
The Hollard Insurance Company Pty Ltd
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
No
NCB preserved - if not at fault:
No
Rating 1 Protection:
No
Maximum No claim bonus:
30%
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
No
Essential Repairs:
$300
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
$1000
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Third Party Property (Fire & Theft) Motor
Owned by:
Hollard Insurance Group
Underwritten by:
The Hollard Insurance Company Pty Ltd
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market
NCB preserved - if at fault:
No
NCB preserved - if not at fault:
No
Rating 1 Protection:
No
Maximum No claim bonus:
30%
Uninsured Motorist Cover:
$3000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
No
Legal Costs:
Yes (defending claim)
Substitute Vehicle Cover:
3rd Party Property
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
No
Essential Repairs:
$300
Emergency Accommodation &/or Transport:
$500
Recovery, towing and storage after accident:
Towing
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
No
Trailer cover available:
$1000
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
Yes
Remove excess for a fee:
No
Excess
Basic Excess
$600
Variable Excess
Yes
Remove Excess
No
No Claims Discount (ncd)
Rating 1
Varies (around %30)
Rating 2
20%
Rating 3
Zero (0%)
Not your Fault (no-fault)
Downgrade NCD if you don't hold NCD protection (if you claim)
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
NCD Protection
No