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Real Car Insurance

Real Car Insurance

 Verifiedrealinsurance.com.au
Real Car Insurance
3.8

720 reviews

Positive vs Negative
64%36%
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Claim Resolution Time
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Customer Service
3.7
Timeliness
3.9
Job Satisfaction ?
3.8
Transparency ?
3.7
Value for Money
4.0
5 Oya  · Hun was very accurate explaining the concept and very helpful
5 James  · Agent provided clear, concise, Detailed and professional service. With patience when required.
5 Brent  · easy and excellent response and good selections offered especially for low milage use
5 Debra  · Very helpful and great advice when asked went through with the insurance quote
5 Darren Rehn  · simple, straight forward, quick, however didn't identify my car properly
5 Roy  · I called and spoke to a representative called Nick and he was very helpful and knowledgeble. I had a very good discussion and took out insurance for my new car.
Antony Hatt
Antony Hatt3 posts
  Verified Comprehensive

The lady I dealt with was Danelli, absolute a pleasure to deal with, so polite, understanding & took the time to explain all the ins & outs of the policy. I would recommend her & Real to anyone. Kind Regards Tony Show details ·  2

Ask the reviewer
Shakti G
Shakti G16 posts
  Verified Comprehensive

better pricing than others and I did many different comparison checks. I am confused I have not had any payment debited from my account?? and I am not clear what the roadside process is nothing at all said in confirming emails or anything - My car is for sale so not being used much but still requires to be insured so I hope that this is legitimate - Show details ·  2

Ask the reviewer
Jane S.
Jane S.
  Comprehensive

Worst insurance company ever! The smash repairers are lazy, useless and dodgy. I had to take my car back after picking it up as they didn't repair it properly. Beaver behind the bumper bar was still bent, air bag light was still on, lights in tail light replaced didn't work and hatch wasn't aligned correctly. Smash repairer fixed it all before the… Read more

assessor saw the car so they wouldn't loose the contract. Complaints team with real insurance are pointless as they only agree with what you are saying to try and give me some sort of satisfaction that they actually care about what happened. For such a minor accident that wasn't my fault real insurance made it so difficult to get the car fixed without any issues. I will never use you as an insurance company ever again.

Real Insurance
Real Insurance    

Hi Jane, Thank you for sharing your review with… Read more

Reviews with attachments

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Gordon
Gordon
  Verified Comprehensive

Having been with Real Car Insurance for many years, I bought another car and decided to go with them again with "Pay As You Drive" which I like doing as I don't do too many Km per year. Many years ago my car could have been written off, touch and go there but it wasn't thanks to them and kept that car for 10 years this year. Show details ·  1

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Brendan O.
Brendan O.NSW3 posts
  Comprehensive

Great customer service and value offering provided – Great value and easy to manage process with options to suit best requirements Show details ·  1

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Jason Coleman
Jason ColemanSA4 posts
  Comprehensive

***keep Away***Facilitate And Ignore Fraud – ***WARNING*** KEEP AWAY*** REAL Wont fix your car to its original condition as per their own PDS (Product disclosure sheet) “REAL INSURANCE” Facilitate and ignore fraudulent conduct by their own preferred repairers. “just look at my pictures below” *****KEEP AWAY FROM “REAL INSURANCE” ***** They ignore photographic evidence (I don’t know how… Read more

you can get any clearer proof) instead trying to Get out of paying you out by trying to say you won’t use one of their assessor’s to assess the damage. (It’s their little tactic to get out of paying, saying you won’t use their assessor)

Never mind if your no longer insured with them they still try to dictate this and they know its not the law…

Just look at the proof idiots, and pay up..,

I’m no longer insured with them and they still are trying to demand I let their assessor see my car.

They FACILITATE fraud allowing and turning a blind eye ye to their preferred repairers conduct regarding false/ misleading and fictitious estimates.

They also allow fraud to take place such as allowing to pay YOUR money to repairer (MEC CRASH LONSDALE SA) for work not needed or even done…

They allow wrong paint to be painted and look at double charges on estimate 1 and ESTIMATE 2 for LH & RH headlamp..(look at pics)

***ABSOLUTE SHOCKING CONDUCT*****

They will do anything to get out of their obligation to fix your car to its original condition before accident.

Dont bother with afca as they work together and ignore photographic evidence. Get a lawyer….

Get your assessor to look at the pics… any human can see the car is not the same as before it went to hollards crap fraudulent repairer (mec crash lonsdale sa).

Now its on real”, and we will see you in court…

PLEASE PEOPLE ***KEEP AWAY***from “REAL INSURANCE” .

These pics show FRAUD..

1 The engine pic is not my car (look at the highlighted area and space between the front grill and radiator- clearly not the same car.

2 Look at before and after shot of car- clearly not the same as it was originally

3 look at the wrong paint code used to paint car.(209 black pearl sand, instead of 218 eclipse black.. this DONT matter to real)

4.look at the double charges the repairer tried to claim for LH & RH headlamp.

This is not enough proof for real to see the car is not the same as it was originally.

“make your own mind up, see for yourself what real insurance are like”.

*****UPDATE: Commencing legal action.*****

People please use section 54 of the insurance contracts act -Insurer may not refuse to pay claims in certain circumstances or if relevant to you section 13 of the insurance contracts act - the duty of upmost good faith.

Don’t let HOLLARD/REAL FORCE YOU TO ASSESS YOUR CAR IF THEY HAVE DAMAGED IT AFTER REPAIRS.

DONT LET THEM TRY AND CONFUSE YOU WITH SECTIONS OF THE “CORPORATIONS ACT”.

THEY DAMN WELL KNOW WHAT THEIR OBLIGATIONS ARE.

Use Section 28J or 28K of the FAIR TRADING ACT - Motor vehicle insurers and repairers legislation.

HOLLARD/REAL ARE LIABLE IF THEY OR THE REPAIRER BREACH ANY PART OF THE “MOTOR VEHICLE INSURANCE AND REPAIRS INDUSTRY CODE OF CONDUCT”.

28J—Compliance with applicable code of conduct (1) An insurer or repairer must not, in trade or commerce, contravene or fail to comply with a provision of an applicable industry code of conduct.

“Motor vehicle insurance and repair industry code of conduct:

Section - 1.1 Insurers will authorise repairs covered by the Policy with the objective of: (a) restoring the safety, structural integrity, “PRESENTATION” (the look of vehicle) and utility of the Motor Vehicle;

Also remind HOLLARD/REAL if they have failed to report a potential or actual breach (ON THE DATE IT HAPPENED) to asic they will be liable for a $40000 non-compliance REGULATION FINE.

ASIC REGULATION- RG78 requires HOLLARD/REAL to report breaches by its AFS REPRESENTATIVES (repairers) as they are Australian Financial Service are therefore regulated by ASIC.

HOLLARD/REAL WILL USE ANY EXCUSE TO FORCE YOU TO USE THEIR ASSESSOR WHO HOLD RELEVANT INTEREST UNDER ASIC REGULATIONS no: “RG5”.

The 'relevant interest' concept defines the scope of a number of regulatory requirements under the Corporations Act 2001 (Corporations Act) relating to corporate control and the disclosure of interests

If HOLLARD/REAL are not acting with THE UPMOST GOOD FAITH, ASIC CAN STEP IN IN INDIVIDUAL CIRCUMSTANCES AND CANCEL/SUSPEND THE THE LICENCE OF THE REPAIRER AS A AFS REPRESENTATIVE OF HOLLARD.

PREFERRED REPAIRERS and ASSESSORS (AAMC) HOLD “RELEVANT INTEREST” with HOLLARD/REAL as they have a signed contract/agreement.

PLEASE REPORT YOUR BREACH TO ASIC ON BEHALF OF HOLLARD/REAL AND GET THEM FINED OVER $40000 FOR NON-COMPLIANCE REGULATION BREACHES, for not reporting your “POTENTIAL” OR “ACTUAL” BREACH OF THE REGULATIONS” REGARDING THEIR AFS LICENSEE (the repairer).

***HOLLARD/REAL ARE A FRAUDULENT COMPANY ( i have proof of their ignorance to fraud)***KEEP AWAY URGENTLY*****

A REAL SCUMBAG OF A COMPANY WHO NEEDS TO BE WOUND UP- GREEDY MONGRELS…

Damn Ignoring me….

Real Insurance
Real Insurance    

Hi Jason, Thank you for sharing your experience… Read more (+3 replies)

Latest follow-ups

Annoyed2013
Annoyed2013QLD6 posts
  Comprehensive

Easy to sign up. Value for money. Already have 2 Real insurance policies Show details

 Follow-up  · Have ditched all Real insurance policies. Much better insurance policies available for less money. Overseas call centres and no multiple policy discount. Live and learn.

Real Insurance
Real Insurance    

Hi there, It is a pleasure to hear about the value… Read more (+1 reply)

ShellG
ShellG20 posts
  Comprehensive

Someone hit our car. Real insurance majorly undervalued our car and labelled in a write off so we went to the other person insurance company for a second opinion. They valued the car correctly and had it fixed. During this process, we discovered… Read more

that Real Insurance had accidentally and incorrectly deregistered our car (without paying us out), meaning we cannot pick it up from the smash repairer even though it is finally ready. They have admitted this was a big error on their part and yet no one has been able to fix it. My husband has had to call them multiple times and go through the story with them many times. It has been so frustrating. We need our car. They haven’t even provided us with a replacement car even though this is their fault and their error and is causing us a huge inconvenience. We have completely lost trust in Real Insurance. If they had made this mistake and had had been able to fix it in a timely manner without us chasing it up constantly, it would be different but as it stands (and we are STILL chasing them up), I will be contacting the insurances ombudsman this week. This accident occurred months and months ago and we are still without our car even though it is fixed (no thanks at all the Real Insurance). I would definitely not recommend Real Car Insurance in our experience. Their stuff up has cost us a significant amount to time, anxiety and money. It’s been an absolute shambles and continues. REAL have lacked transparency and honestly in the process. They have not been reasonable in their knowledge of information, communication or the time they have taken. We have contacted the AFCA.

 Follow-up  · Real insurance continued to try and get out of it. After months and months of being without our car and getting nowhere with REAL insurance, we contacted the AFCA (insurances ombudsman) for help. It was only when they were forced properly find a solution that they offered to reimburse us for the cost we were out of pocket due to their stuff up.… Read more

Real Insurance
Real Insurance    

Hi ShellG, Thank you for sharing your review with… Read more (+15 replies)

Positive reviews

Christopher
ChristopherSA
  Verified Comprehensive

So far the experience has been good the application app. Could be improved by simply increasing the font size but quite easy to navigate thank you and merry Xmas Show details ·  1

Sandy
Sandy2 posts
  Verified Comprehensive

Claimed because of recent hail. Real was so fast and efficient to deal with, everything went well and each step explained. Couldn't fault. I have been with real for about 10 years, (on and off, mostly on), they have been competitive with pricing and easy to get quotes. Great service!! Show details ·  1

jimono
jimonoSA12 posts
  Verified Comprehensive

Customer Service was excellent. Very helpful and willing to put in the effort to solve my issue. I'm a long time customer, with multiple vehicles and I always insure with Real Insurance. Show details ·  1

Negative reviews

Ali
AliQLD2 posts
  Real Car Insurance

Worst insurance in my life – Worst insurance in my life.zero customer service.dosent want to fix my car properly.always used second hand part for car part.my car had been in heavy accidents. Chassis’s has been damage But they don’t want to written off my car.waisting my time for nothing. Show details

Real Insurance
Real Insurance    

Hi Ali, Thank you for reaching out and I am sorry… Read more

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adf
adfACT20 posts
  Comprehensive

This is a continuation of a previous review I recently wrote on Real Car Insurance. Through this website, Real reached out to me to discuss my concerns however they STILL REMAIN outstanding! Despite multiple messages to Real through this website my issue remains ignored. Real apparently has a complaints handling process - I don't know what for… Read more

given their complaints team don't actually respond to you or make any phone calls to let you know how your complaint is progressing. The other day I rang Real to follow up on my complaint and they said they couldn't help me but would escalate the matter - so what did they do, they raised another complaint! I asked them why are you raising another complaint when you completely ignored my first one to which they responded that someone would get in touch with me WHICH STILL HASN'T HAPPENED! They basically said they would raise a complaint to get rid of me off the phone when they had NO intention of actually helping me out. So now, Real has ignored my complaint on all fronts including through the message function on this very website. Additionally, I cancelled my policy due to the poor customer service from Real and they STLL HAVEN'T refunded me what I am owed! They are holding my money ransom and are actively ignoring my phone calls, emails and messages - I am owed nearly $800 which they are refusing to pay to me! People be warned, Real insurance DOES NOT have adequate customer service - it is an overseas call centre who has no idea what they are doing and they also don't have an adequate complaints handling process. If you get stuck and need anything from them you are on your own and they will refuse to help you! Stay away and stick to other insurers, unless you enjoy being ignored.

Real Insurance
Real Insurance    

Hi Adf, I appreciate your frustrations and… Read more (+4 replies)

Kevin
Kevin3 posts
  Comprehensive

I thought initially they were better han most Car insurance companies, such as AAAMI, Woolies and all the other ones. But NO! Now they have proven to be the absolute worst. All I wanted to do was adjust my start date for car insurance. They couldn't do it. Today,I tried in vain to get through to the so-called service department. Didn't matter… Read more

what I did couldn't get through their crap menu. All they did was push my buttons. Tried for about an Hour. Got through using the new sales menu button asked to be transferred and they took me back to the carousel of hell in the menu. Contacted complaint asked to phone me back Did't,So cancelled and going to RACQ. Check before you buy. Racq were even worse. Abusive and uncooperative. Woolworths and others run by the same crap corporation HOLLARDS. Don't do it to yourself folks. These are the ones to keep away from in my opinion. Will be taking further action about that and I will comment Later. Thanks for Reading regards Kevin

Real Insurance
Real Insurance    

Hi Kevin, It is great to hear that we have been… Read more (+3 replies)

Recent reviews

Umar
Umar6 posts
  Verified Comprehensive

Amazing insurance company. it's been over a month, but they haven't; sorted my claim out. They don't respond to my emails i feel like i am sending emails to a black hole. After a month, when i sent my car for repairs, the assessor OR a bully i am not sure what to call him, called me up, called me a lier, and when I asked him not to call me a lier,… Read more

he hung up on me as he knows, i have no power. i am at his mercy.

unbelievable company, paid them insurance for almost a decade and now they make me face bully. I am the customer not the 3rd party. Imagine what would happen if they were going to recover money from them. I worry about the person who is on the other side. bully might even beat 3rd party up.

Real Insurance
Real Insurance    

Hi Umar, Thank you for sharing your review with… Read more

Tali
TaliQLD18 posts
  Comprehensive

Un-real experience with real insurance I have a rental car as part of the policy, which was booked and confirmed, as well as the repair. I received confirmation on the bookings and was shocked to realise, upon picking up the rental car on Thursday late afternoon, that the "real" insurance company cancelled my rental booking (and will return my… Read more

call on Monday). It's sad to realise how low a "premium" and well-paid service can get. How low can staff delivering this service get to and is truly concerning that humans in Australia are paid to deliver such a devastating outcome for others.

Car hire cover is an option I pay for as part of the car policy. Real insurance did not take accountability to deliver the paid service and did not agree to reimburse for the unfulfilled service.

Unreal and un-reliable Insurance

Real Insurance
Real Insurance    

Hi Tali, Thank you for reaching out to share your… Read more (+6 replies)

Brad
BradNSW15 posts
  Comprehensive

Having been with real insurance since they were pay as you drive( yes a long time ) to call to see the difference in cost to my upcoming policy but upping the agreed value. , first agent after 7 mins had no idea and the call randomly dropped out, second call after 27 mins had no Idea what I was trying to do, so I eventually cancelled the policy. Shocking service , be ware ! Show details

Real Insurance
Real Insurance    

Hi Brad, Thank you for sharing your review with… Read more

Val B
Val BNSW
  Comprehensive

3 strikes and you're out...and dodgy repairs – After I had three accidents, they no longer want you (one of them wasn't my fault). Yes they'll get rid of you after 3 claims, even after being loyal for more than 5 years!. I sorta get it, the old saying it's just business. Goes to show their true colours. But it was also evident they use shonky car repairs. First example, they just used 2nd… Read more

bumper to replaced mine. Second example on different occasion the repair job was dodgy that after few years only the paint started peeling off. At this point I was no longer with them but they refused to assist in claiming any warranty, let alone give me details of the repair shop.,being passed around on all of my 3 calls from team to team, each time hitting dead end, claiming they don't have my details anymore! This was barely less than 5 years after leaving!

Real Insurance
Real Insurance    

Hi Val, Thank you for sharing your review with us,… Read more

Pauline Ti
Pauline TiNSW5 posts
  Comprehensive

Unprofessional call takers – I have been a Real Insurance customer for many years and have no problem with it until now with your call taker. Real Insurance should seriously rewrite their script for their call takers. I received an email advising that no payment has been received. I rang to make payment and was told I have to answer a few questions which I gladly do. I… Read more

find 2 unnecessary/annoying questions: (1) if I could confirm my account details on file; and (2) if I could authorise payment after giving my payment details. For (1), my current account details is obviously not working so I cannot confirm the details; and (2) I have just provided my account details so cannot see the logic in asking whether I authorise payment. (3) – I had to repeat my payment details at least 3 times to the call taker as she got it wrong twice. Can your loyal customer get a better service please?

Pauline Ti
Pauline Ti   

I have now called Real Insurance 5 times to pay my policy. Each time I called, I was told payment… Read more (+3 replies)

Christine
Christine
  Comprehensive

New Car Policy – Both Christian and Andrea were fantastic, one to cancel the old policy and the other to set up the new one. Service was quick, efficient, friendly and everything well explained Show details ·  1

Kim
KimSA
  Real Car Insurance

Scam artists – Cancelled my car insurance as apparently I wasn't eligible to be insured under third party because I drive too many KMs a year, so I cancelled my policy, no problem (I thought) Money then continued to be direct debited from my account. Rang about this immediately, told 7-10 days I'd receive a refund. A month later, still chasing my refund. Feels… Read more

like I'm contacting them every other week to be told the same thing over and over "7-10 days and it will DEFINITELY be there" but continues to not be. Then today contacted because apparently the money bounced back when my bank has no proof of an attempted transaction from them. All details confirmed as correct. I just want my money back, money that shouldn't have been taken in the first place! I'm so frustrated and this has been ridiculous to deal with.

Real Insurance
Real Insurance    

Hi Kim, Thank you for sharing your review, I am… Read more (+1 reply)

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Cecilia
CeciliaNSW
  Comprehensive

Securing comprehensive car insurance policy – Each time I call your company, I had to wait for at least 20 to 30 to be transferred to the person who could assist me. The waiting time could be really frustrating. There is a lot of improvement needed with your call centre. Show details

Real Insurance
Real Insurance    

Hi Cecilia, Thank you for sharing your review with… Read more

Annoyed
AnnoyedVIC5 posts
  Real Car Insurance

HORRIBLE COMPANY – Worst company to deal with. Can't understand or be understood by call takers. We had a NOT AT FAULT car accident. Real made us pay out the rest of our policy, over $500 which we could not afford at the time. Caused us A LOT of extra stress. DO NOT INSURE WITH THIS COMPANY! THEY ARE THIEVES!!!

Real Insurance
Real Insurance    

Hi there, Thank you for sharing your review with… Read more (+2 replies)

vickinel
vickinel2 posts
  Comprehensive

NO FUSS INSURANCE – Changed to Real Insurance when my previous insurer would not give agreed value because my car was now 10 years old and their market value was an insult. Would rather pay a little more for peace of mind that if anything does happen I can either buy or repair my car for what its worth not half its value Show details ·  1

Jillian
JillianQLD
  Comprehensive

Operator was very patient, but it toook a long while to correct details – Glad that I read all the details on the first policy document sent through. Some changes needed to be made, and all was corrected and new policy emailed. Show details ·  1

Dina R
Dina RVIC7 posts
  Comprehensive

fix your car only not other party (even in comprehensive) – Update: finally I got the money payment, but the the third party fence is not fixed yet. Hopefully you fix it soon, as it is unfair for them not to get it done, especially I was with real insurance for 8 years, and that was the reason I got comprehensive insurance. a third party was trying to call them to fix the fence due to my car pumping into… Read more

it, he was faced with a very long time waiting and asking me to call them because they are very unprofessional and the settlement department won't pick up the phone. so it seems I have to fix that out of my pocket.

Real Insurance
Real Insurance    

Hi Dina, Thank you for sharing your review with… Read more (+5 replies)

James
James6 posts
  Real Car Insurance

No Documents, Non-Stop Price Rise Year on Year and Slow Customer Service – They kept on increasing the price of insurance year on year while stopped sending me the documents. The customer service didn't even apologise for this behaviour and it took me many attempts and long wait to get to talk to a real person. I am very disappointed and wouldn't recommend them to anyone.

Real Insurance
Real Insurance    

Hi James, Thank you for sharing your review with… Read more (+2 replies)

Phil L.
Phil L.
  Comprehensive

Excellent Insurance Company 5 stars – Had a car claim and the car was written off.. it was very well handled by Real Insurance and will be signing up with them on next car purchase! Show details ·  1

Nicole
Nicole
  Comprehensive

Swapped 2 car insurances - couldn't be happier – I moved 2 car insurances to Real Insurance. At my previous insurer I was being charged over $115 per month for EACH vehicle Real Insurance gave me the exact same coverage for $128 FOR BOTH. Amazing service, very polite and helpful customer service. Show details ·  1

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