Woolworths car insurance green slip
Everything you need to know about CTP car insurance
Compulsory third party (CTP) car insurance, sometimes known as a green slip, protects you from legal and medical costs arising from injuries and deaths caused by car accidents.
CTP insurance is compulsory in Australia. You cannot register your vehicle without it. You are covered by your CTP insurance round the clock for any passengers in your vehicle and for other people on the roads, including pedestrians and cyclists. You are also covered for any injuries resulting from the use of a trailer.
CTP insurance is only for injuries to people. It does not cover any damage to vehicles or property.
All states have their own CTP insurance schemes, managed by that state’s Insurance Regulatory Authority. In Queensland, New South Wales and the ACT, drivers may choose their CTP insurance provider, while in South Australia, Victoria, Tasmania, Western Australia and the Northern Territory it’s automatically built in to vehicle registration.
Compare CTP Insurance from Australian Insurers
The Motor Accident Authority green slip calculator is a free government service for finding CTP insurance in NSW.
Compare your CTP insurance options
- Your CTP insurance options
- What compulsory third party insurance covers
- How to buy CTP insurance
- How CTP prices are determined
- CTP insurance for motorcycles
Your CTP options
All CTP insurance in your state is exactly the same, except for two things:
- At-fault cover: This is additional cover offered by some insurers in the event of an accident that you are found to be responsible for. Standard CTP still covers at-fault drivers to some extent, but people who choose this option have higher payout limits and are covered for a wider variety of at-fault circumstances than those who don’t.
No one is a perfect driver and the cause of an accident is often disputed. There’s always a chance that you may be found at fault.
- Price: CTP insurance prices in QLD, NSW and the ACT will vary as CTP insurance providers try to offer competitive rates and have different ways of determining driver risk levels. Depending on your location and driving history, you will get better prices from some than others.
Because prices can be similar, it’s good to look for safe-driver and multi-policy discounts from insurers.
There are only six CTP insurance companies
Choosing a provider is easy because only six insurance companies in Australia are licensed to provide CTP insurance. Of these, three have the option of additional at-fault cover.
|Insurer||Offers At-Fault Cover?|
What a compulsory third party insurance covers
CTP ‘green slip’ insurance sees that people who were injured or killed in a motor vehicle accident anywhere in Australia can receive compensation irrespective of the financial situation of the driver(s).
The type of compensation available covers both economic and non-economic loss, meaning that hospital, medical and rehabilitation expenses as well as loss of income will be covered, as is pain, suffering and loss of quality of life. The level of compensation available is limited and there are a lot of factors which determine exactly how much someone will be awarded.
The damages from the accident are awarded by the at-fault party’s CTP insurance, which covers injuries sustained by both parties. CTP includes things other insurance policies won’t:
- Special children's benefits, which states that children younger than 16 can apply for this benefit and be compensated, even if they were the cause of the accident;
- Blameless accidents, which stipulates that people who were killed or suffered an injury in an accident can receive compensation, even if there wasn't anyone to blame. Such accidents include those caused by drivers who suffer a sudden medical issue, such as a heart attack, collisions with animals that could not be avoided and inexplicable mechanical problems.
- Bulk billing arrangements. This proviso states that the expenses associated with hospital care, ambulance transport and any other treatments needed for the at-fault driver are funded by the insurance policy, just like for any other person that was injured in the accident. Regardless of who is to blame, the scheme will cover the expenses in question;
- Accident notification provisions. An early payment of $5,000 entitlement extended to both the at-fault driver and the victim, to cover treatment and loss of income by lodging an Accident Notification Form (ANF).
Despite all these, the at-fault party is still not entitled to receive all the benefits that other parties who were injured in the accident have access to. There are certain benefits that are not covered by the bulk billing arrangements or the accident notification provisions, which guilty parties do not have access to.
The guilty party cannot file a claim for:
- Any expenses over $5,000 incurred in a medical facility that is not a public hospital connected to medical treatment, pharmaceuticals and rehabilitation;
- Attendant or respite care;
- Changes to their residence;
- Benefits to cover loss of quality of life, pain and suffering;
- Loss of income past the $5,000 ANF limit;
- Future loss of income.
CTP coverage differs between states, but is the same within each state regardless of which insurer issued the policy. For this reason you should try to find other liability insurance to cover what your CTP insurance doesn’t, rather than vice versa.
The product disclosure statements provided by insurance companies contain full detail on what is and is not covered by at-fault insurance, while CTP insurance details for your state can be found in the Motor Accidents Compensation Act 1999 and the Motor Accidents Act 2006, including:
- The people who are entitled to receive compensation;
- How the compensation can be paid out;
- The maximum amount of compensation that can be awarded.
How to buy CTP insurance
Every state has certain insurance companies that are licensed to sell CTP policies, and some of these companies will permit other agents to sell in their name.
To buy a CTP insurance policy, you will have to provide the insurer or the agent with information regarding your situation This can include things like:
- Your vehicle's make, model and manufacturing year;
- The postcode of where you garage your vehicle;
- Whether you use your vehicle for personal reasons or your business;
- How old you are or the age of anyone else who may drive your vehicle;
- Details of any accidents you have been involved in as well as your insurance and claims history;
- Details pertaining to your driving record, including information on your driver's licence.
If the CTP premium is determined based on incorrect information and it leads to a lower premium than you should actually be paying, the insurance company will demand that you pay the difference. If you don't do so, you could end up having the registration of your vehicle cancelled.
If purchasing from an insurance agent, the first thing you should do is ask which company they represent. As of March 2016, only AAMI, Allianz, CIC Allianz, GIO, NRMA and QBE are licensed to sell CTP insurance. You may also wish to get in touch with the insurer and check whether or not the agent in question has their authorisation.
Always compare prices in NSW, Queensland and the ACT, with the Australian government’s Motor Accident Authority green slip calculator. This compares all the licenced insurance companies.
Compare your CTP insurance optionsBack to top
How CTP insurance prices are determined
Because it’s mandatory, CTP insurance must be affordable. There is an allowable price range, and all CTP insurance premiums must fall within these boundaries. They determine the risk level for a vehicle and its drivers, and then adjust prices based on these. They do this by categorising a range of factors.
Location and vehicle type
The state insurance organisation provides up to date charts showing the typical risk levels and costs associated with different types of vehicle in different regions. Prices are updated annually according to the latest figures. For example, the average cost per policy of claims tends to be smaller for motorcycles, higher for cars and even higher for trucks, and lower in metropolitan areas than country zones.
Different states and regions have different prices. Business vehicles are on the road more, and are therefore at higher risk, than private cars, while cars stored in a garage are safer than those parked on the road.
After using this to establish a price range for the vehicle itself, the insurer looks at your individual risk factors.
Individual risk factors
Insurance companies try to consider as many individual risk factors as they can, including:
- Your accident history
- How old the all the regular drivers of your vehicle are
- How old your vehicle is
- Whether you have comprehensive property insurance or third party property insurance
- Whether your vehicle is being used for personal or business purposes
- Whether you are renewing CTP or purchasing a new one policy
Generally, if you are a safe driver, you are more likely to receive a better price for your CTP insurance.
You are encouraged to shop around for green slip quotes in states where applicable, because within the allowable price range, insurers calculate prices differently depending on the situation of each individual driver. This means that renewing CTP insurance with the same provider does not guarantee you will get the lowest price. Shop around if you want to save some money.
Even if you are an extremely risky driver, the insurer cannot increase your premiums with very high loadings, which could make the premium unaffordable.Back to top
CTP insurance premiums on motorcycles
There are five different classes of motorcycles for determining CTP costs. None of the six licensed insurers offer at-fault cover for motorcycles.
- Up to and including 225cc
- 226cc to 725cc
- 726cc to 1125cc
- 1126cc to 1325cc
- 1325cc and greater
More powerful motorbike categories carry higher costs, while the geographic region and personal circumstances also impact the price you pay for compulsory third party insurance. The extent to which personal risk factors are taken into account will differ between insurers, which is why you should take the time to get quotes from each of the six insurers offering motorcycle CTP insurance in NSW, Queensland and the ACT.
CTP insurance in different states
Sam, living in New South Wales, and his friend Rob in Victoria, were childhood friends that had stayed in touch over the years. They both got their first car at a similar time, and realised that CTP insurance was quite different in both states. Rob simply had it included as part of the registration process and hardly gave it a thought, but Sam had to shop around for his NSW CTP green slip. He compared all six providers, and all the options before deciding on the more expensive, but safer, CTP at-fault cover.
As luck would have it, they both got into very similar car accidents in their own states at about the same time, several months later. Both of them had accidentally rear-ended a car which suddenly stopped in front of them, and both ended up breaking their noses on the steering wheel. And both, naturally, ended up making insurance claims.
Sam in NSW, with his optional at-fault CTP insurance, had his medical expenses covered even though he was more responsible for the accident. But Rob, in VIC wasn’t covered precisely because he was more responsible for it.
In the end, Rob was spending less on CTP insurance but paid a bigger price, while Sam took the option of spending more and had it pay off.Back to top
Frequently asked questions about CTP insurance
What is a CTP green slip?
A CTP green slip is a type of mandatory insurance policy that provides coverage for damages claims for the person driving a vehicle that is to blame for an accident, or involved in a no-fault accident. It ensures that injured people can seek compensation.
CTP stands for 'Compulsory Third Party'. Greenslip, green slip, ctp green slip and compulsory third party insurance are all interchangeable terms for the same type of insurance.
Do I need CTP insurance?
Yes. You cannot register a vehicle in Australia with it.
Do I have coverage outside my state?
CTP insurance covers you in any state, anywhere in Australia.
Who and what does the CTP green slip cover?
CTP insurance provides coverage for the compensation of someone who sustained injuries or was killed in a vehicle accident. This includes pedestrians, passengers, cyclists, motorcyclists, and the person driving the other vehicle. The guilty party is also covered but to a lesser degree. Trailers are covered by the insurance of the vehicle towing them.
What doesn't CTP cover?
A green slip does not provide coverage for the following:
- A driver who is to blame for the accident doesn't have access to all of the benefits of the scheme, unless they have suffered devastating injuries as laid out by the Lifetime Care and Support Scheme. In this case, the latter insurance plan applies;
- Damage your vehicle or property incurred;
- Damage caused to the other person's vehicle or property;
- If your vehicle was stolen.
Where can I get a CTP green slip?
CTP green slips are sold by insurance companies but these have to be licenced to do so. They must also be in full compliance with the stipulations of the Motor Accidents Compensation Act 1999. At the moment, there are six insurance companies who are authorised to sell CTP green slips in Australia.
Licenced insurance companies are regulated by the State Insurance Regulatory Authority.
Who establishes the premiums?
The premiums are not the responsibility of the Government. Instead, they are calculated by the insurance companies. However, they are required to submit their premium schedules first to receive approval.
What happens to my premium?
The premium you pay is used to cover compensation payments, research and education projects as well as to improve road safety.
How do I know my green slip is legitimate?
If you think you may have purchased a fake green slip, you can confirm its authenticity by checking with the insurance company named on it. The six licensed CTP insurance companies are AAMI, Allianz, CIC Allianz, GIO, NRMA and QBE.
What about learner drivers?
Learner drivers require no special CTP procedures, although you are required to let your CTP insurance provider know about them if they ask.
Can the insurer change my premiums?
CTP insurers can put forward new pricing schemes anytime they wish but they must do so at least once a year or when the state insurance groups determines they have to, which is usually July 1st. Insurers regularly change CTP premiums.
Why are my CTP premiums increasing?
Premiums increase to reflect changes in driving risk levels. One of the main reasons premiums typically increase is because increasing numbers of people make claims.
Which insurance companies offer CTP insurance?
There are currently six insurance companies licensed to sell CTP in Australia. They are Allianz, AAMI, CIC Allianz, GIO, NRMA and QBE.
Are there price differences between CTP insurers?
Some insurance companies will offer a cheaper green slip than others but the price of the CTP from each insurer should be identical for that company, regardless of whether you purchased it directly from the company or from an authorised insurance agent.
When purchasing a green slip, you have to make sure that the price was correctly calculated according to the type of vehicle you own and the other details you provided. If this calculation is correct, then a CTP from the same insurance company should be the same price, no matter where you bought it from.
Why is there a price difference for green slips from different insurance companies?
Each insurance company is responsible for determining their own prices. And while these prices are regulated, insurance companies use different variables and give these factors different levels of importance when working out what they will charge in terms of premiums.
What is the simplest way for me to compare prices on green slips?
The simplest way to conduct a price comparison between the green slips offered by each of the six insurers is to use the price service comparison service on offer. The green slip calculator will supply you with a price from each insurer for a green slip based on the type of vehicle you own and other information. You will also be supplied with contact information for each of the insurers so you can contact the one you decide on to make the purchase.
The green slip can be purchased via phone and the insurance company will inform the RTA electronically. However, the green slip calculator only works for common types of vehicles, so if your vehicle isn't part of one of these classes then you will have to contact the insurance companies separately to conduct your own comparison. You will also have to contact the insurers directly if you want to claim an input tax credit for GST.
Are there any differences between CTP green slips?
There are no differences between CTP green slips, irrespective of which insurer you purchased yours from. The only difference lies in the AT Fault Driver Cover, which is an optional and additional feature.
All green slips provide the statutory coverage the law requires. Of the six insurers, three companies also offer At Fault Driver Cover. This feature is definitely something you should consider because it offers benefits for the driver who was to blame for the accident.
What is at Fault Driver Cover?
With the green slip scheme, the driver to blame is only covered if he or she suffers catastrophic injuries. However, some insurance companies offer an extra benefit with their CTP green slips, namely At Fault Driver Cover. This policy ensures the driver who caused the accidents gets some level of compensation for the injuries they incur. The amount of compensation differs from one insurance company to the next.
Can I get At Fault Driver Cover from any insurance company?
No, because only three of the six licenced CTP insurance companies offer At Fault Driver Cover. These are Allianz, GIO, NRMA Insurance and Zurich.
What is the simplest way to get in touch with the insurance companies?
All insurance companies have a phone number specifically for quotes and the purchase of green slips. Keep in mind that not all of these companies have an online system via which you can get a quote or buy your green slip.
When I sell my car, what happens to the green slip?
A green slip travels with the vehicle, so when you sell your car or other vehicle, your green slip is transferred to the new owner. If you purchase a vehicle that has already been registered, you need to ensure that the registration is transferred to your name. Then, you won't need to purchase a new green slip for that particular vehicle until its current registration hits its expiration date.
The RTA is notified of an ownership transfer whenever a vehicle is bought or sold. The RTA then informs the insurance company that issued the green slip of the fact that the vehicle has a new owner.
Am I allowed to cancel my green slip?
If you choose to do so, you may cancel your green slip. However, to do this, you need to contact the RTA to cancel your registration first. Subsequently, if you provide your insurance company with proof that you cancelled your registration, you are entitled to receive a refund that is equivalent to the amount of time left on your green slip.
There is a chance that the insurance company might charge a penalty because you are cancelling your policy and you might not be able to get a refund of the MCIS Levy.
What variables impact the price of my green slip?
There are quite a number of variables that insurance companies take into account when they calculate the premium they will charge for a green slip. These factors also have different levels of importance for each insurer, which further influences the price and is a good reason for people to shop around for quotes.
The main variables taken into consideration include geographic area, vehicle type, vehicle age, how the vehicle performs, age of the driver, driving history and your history in terms of the number and value of the claims you have lodged.
Why is the price for a green slip different if I want to claim for GST?
If you want to claim an input tax credit for GST, then be prepared to pay more for the green slip because prices are higher. Insurance companies can charge more because they do not receive an input tax credit for GST when paying out claims. Additionally, there are certain administrative expenses the insurer needs to cover when implementing the GST.
Do all insurance companies notify the RTA electronically and how long does this process take?
When you buy your green slip all insurance companies will inform the RTA electronically. If you buy your green slip direct from the insurance company, it takes about one hour for the company to inform the RTA. If you are working with an insurance agent or broker, then you will have to ask them how long it will take for the RTA to be notified.
What is an e-green slip?
An e-green slip simply refers to the RTA being informed electronically by the insurance companies of the purchase of a green slip.
Do I receive any discounts on other insurance policies?
Of the six licenced insurance companies, two of them offer discounts on some of the other policies they offer if you purchase your green slip from them.
Is it possible to get a cheaper green slip from an agent or broker?
The law states that the price for a CTP green slip from a certain insurance company has to be the same no matter where it is being procured from. So, you will pay the exact same amount, whether you are getting it from the company or from an agent.
As long as the price of the CTP green slip has been calculated correctly according to your personal information and vehicle type, the price of this insurance policy should be identical, irrespective of whether you are buying it from the insurer or an agent or broker.
What is an eSafety Check?
eSafety Checks were previously referred to as Pink Slips and represent the report detailing the safety inspection of your vehicle. An eSafety Check is mandatory if you want to renew your vehicle registration.
How often should I take my vehicle in for an eSafety Check?
If your vehicle is new, you likely won't need an eSafety Check for the first five years. If you own a vehicle older than five years, then you will have to take it in for an eSafety Check every year. However, you needn't worry about timing because the renewal papers the RTA issues will inform you whether or not you need to take your vehicle in for an e-Safety Check before you can renew its registration.
Where can I get an eSafety Check?
You must take your vehicle in to an Authorised Inspection Station, also known as an eSafety Station, to get your eSafety Check. These stations issue the eSafety Check electronically and send it straight to the RTA. You can find a list of eSafety Stations at myrta.com.
May I register my vehicle for less than a year?
Cars, motorcycles and light trucks can be registered for either six or 12 months while trailers can be registered for three or 12 months. A green slip can also be bought for six or 12 months.
However, keep in mind that when you buy your green slip, it has to be valid for the same length of time as the period for which you will be registering your vehicle. If you wish to renew the registration of your vehicle for less than a year, you can do it online at myrta.com.
What if I am transferring my vehicle from another state?
When transferring a vehicle from interstate, the registration requirements are somewhat different. However, you will still need to purchase a CTP green slip. Details regarding the requirements for the registration of a vehicle coming from another state are available at myrta.com.
* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
Real Car Insurance Comparison and Review
Real Insurance is committed to offering value-for money insurance products including home insurance, life insurance, travel insurance, funeral insurance, pet insurance and car insurance.
Real Insurance has been providing cover to Aussies since 2005. Real Insurance is a part of The Hollard Group, a global insurer with offices all over the world.
If you’re looking for flexible and affordable car insurance, Real Insurance offers the following policy options to Australian drivers:
- Comprehensive Car Insurance
- Pay As You Drive Car Insurance
- Third Party Fire & Theft Insurance
- Third Party Car Insurance
Receive a quote for Real Car Insurance
|Save up to 10% when you buy online.|| ||Get Quote More info|
Pay As You Drive
|Save up to 10% when you buy online. Only pay for the kilometres you plan to drive.|| ||Get Quote More info|
Third Party Property, Fire and Theft
|Save up to 10% when you buy online. Receive cover for Third Party Property Damage along with theft or attempted theft, malicious damage and fire.|| ||Get Quote More info|
Third Party Property Damage
|Save up to 10% when you buy online. Protects you against the cost of any damage to other people’s cars and property.|| ||Get Quote More info|
- Real Car Insurance Cover Options
- Are there any general exclusions I should know about?
- How much does Real Car Insurance cost?
- What is an excess and what does it do?
- How can I save money on my policy?
- I had an accident, what I do?
- Real Insurance FAQs
Real Car Insurance Cover Options
Real Car Insurance customers can choose from the following four policy options:
Third Party Property Damage Car Insurance
This basic policy protects you against the resulting costs when you cause damage to other peoples’ cars or property.
This no-frills policy is designed to provide essential cover incidents including:
- Uninsured motorist extension benefit
- $20 million of liability.
Third Party Property, Fire and Theft Car Insurance
- Theft or attempted theft
- Fire damage
- Malicious damage
- Legal liability
- Hire car after theft
- Trailer and caravan cover
Comprehensive Car Insurance
The highest level of cover available from Real, this policy provides the ultimate cover for accidents, theft and damage to your car and possessions. Comprehensive Real Car Insurance includes cover for:
- Theft or attempted theft
- Fire damage
- Malicious damage
- Natural events
- New for old car replacement
- Towing costs
- Legal liability
- Optional roadside assistance
Pay As You Drive With Real Car Insurance
Real Pay As You Drive Car Insurance offers the same benefits as Comprehensive cover but costs less as you only pay for the kilometres you plan to drive.
In order to apply for Pay As You Drive Cover you will need to agree to a kilometre range with Real. This is the maximum distance you think you will drive during your cover period.
|Benefit||Third Party Property Damage||Third Party Property, Fire & Theft||Comprehensive||Pay As You Drive|
|10% discount if you buy online||Yes||Yes||Yes||Yes|
|14 day money-back guarantee (if no claim was made)||Yes||Yes||Yes||Yes|
|24-month new car replacement cover||No||Yes||Yes||Yes|
|24/7 emergency claims||Yes||Yes||Yes||Yes|
|24/7 Roadside assistance||Optional||Optional||Optional||Optional|
|Caravan and trailer cover||No||Yes||Yes||Yes|
|Choice of agreed value||No||No||Yes||Yes|
|Choice of excess||Yes||Yes||Yes||Yes|
|Emergency accommodation and travel costs||No||Yes||Yes||Yes|
|Excess-free windscreen cover||No||Optional||Optional||Optional|
|Hire car cover||No||Optional||Optional||Optional|
|Lock and key replacement||No||Optional||Optional||Optional|
|Max $500 for essential repairs after accident / theft||No||Yes||Yes||Yes|
|Max $500 for replacement on baby capsules, child seats and prams||No||Yes||Yes||Yes|
|New for old replacement (if car is a total loss in the first 2 years)||No||Yes||Yes||Yes|
|No extra cost for pay by the month||Yes||Yes||Yes||Yes|
|Pay for only the kms you drive||No||No||No||Yes|
|Personal property cover||No||Yes||Yes||Yes|
|Substitute car cover||Yes||Yes||Yes||Yes|
|Uninsured driver damage||Yes||Yes||No||No|
Are there any general exclusions I should know about?
Real Car Insurance will not pay your claim in these circumstances:
- Your car was driven by someone under the age restriction shown on your certificate of insurance
- Your car was being driven by someone who was not properly licensed
- Your car is driven by a learner license not accompanied by a full licensed driver
- Your car was being driven by someone under the influence of alcohol (over the legal limit) or drugs
- Your car was driven by someone who refused to undergo a drug or alcohol test if asked by the policy
- Your car was driven by someone who is under the influence of drugs or alcohol test
- It results from your car being used to transport dangerous goods or substances
- It arises from your car being used as a courier or delivery vehicle
- Your car was being used for any motor sport or racing
- It results from you using your car to carry more passengers or tow a heavier load than it was designed to do
- Your car is in an un-roadworthy condition
- Your car was being driven outside Australia
- Your claim results from a deliberate, intentional or malicious act by you or someone acting with your consent
- It results from an act of war or revolution
- It is for any consequential loss caused by you knowingly driving your vehicle in a damaged condition
- It is for depreciation
- It is for wear and tear or rust and corrosion
- It is for mechanical, electrical or computer breakdowns
- It is for any repairs carried out without the express consent of Real Car Insurance
- It is for damage to tyres by punctures, cuts or bursts
- You have failed to take reasonable steps to protect your car and prevent loss or damage
- Your car has been modified or fitted with non-standard accessories without the express consent of Real Car Insurance.
How much does Real Car Insurance cost?
There are several factors which influence exactly how much your Real Car Insurance premium will cost, including:
- The policy you choose
- The claims history of the people who will drive your vehicle
- The age of the drivers and how much driving experience they have
- The age, make and model of your vehicle
- The optional extras and accessories you have fitted to your car
- The postcode where your car is kept and whether or not it will be kept garaged overnight
- How you use your car
- Whether you opt for agreed value or market value cover
- Any optional extras you choose
- The excess you choose to pay.
What is an excess and what does it do?
The excess is the amount of money you are required to contribute towards the cost of a claim, however you will not need to pay an excess if you were not at fault for damage caused by another car or if no other car was involved and you were not at fault in any way.
The following excesses may apply to your cover:
- What is a basic excess? This is listed on your certificate of insurance.
- How does an age excess work? This applies in addition to other excesses if at the time of the incident your car was being driven by someone aged between 18 and 25. However, this excess does not apply for claims of fire, theft, malicious damage, broken windscreen, and claims for damage while your car is parked.
- Will an inexperienced and learner driver excess apply to my policy? This applies if your car was being driven at the time of the incident by a learner driver under 18 years of age or someone over 25 years old who has not held an Australian driver’s licence for more than two years.
- What is an undeclared young driver excess? If your car is driven by someone under 25 years of age who has not been declared as a driver of your car on your certificate of insurance, this excess will apply.
- What does special excess mean? Real may apply this special excess depending on your car, how it is used or the claims history of the drivers of your car.
- How does a kilometre range excess work? This excess applies only to Pay As You Drive policies and you exceed the agreed kilometre range as shown on your certificate of insurance.
How can I save money on my policy?
- Is pay Pay As You Drive right for you? This option means you only pay for the amount of kilometres you drive, so you can save a great deal of money over the cost of a Comprehensive policy.
- Should I get an agreed and market value policy? Agreed value policies usually feature higher premiums, though that doesn’t necessarily mean they’re not the right option for you.
- How much cover do you really need? If you don’t require Comprehensive cover, save money by choosing a more basic level of cover.
- Do you really need all those extras? If you’re highly unlikely to need the cover provided by extra cover options, don’t add them to your policy.
- Can you afford a higher excess? This will result in a lower premium.
- Why not Build Your Own policy? This policy option allows you to pay for the cover you need and none that you don’t.
- Should I buy online? Real allows you to take advantage of a 20% discount when you buy your car insurance policy online.
I had an accident, what I do?
Real Insurance claims are administered by Hollard, with 24/7 claims assistance available for emergencies.
- In the event of an incident, the first step is to make sure that you and your family are safe. If required, you can call the police to report the incident.
- Next, you’ll need to gather as much information as possible from witnesses or anyone else involved in the accident (including their contact details, rego numbers and insurance details), and also take some photos of the incident.
- Once that’s taken care of you can phone Real Car Insurance or head online to complete a claim form. Hollard’s team will then assess your claim and may request further details and supporting evidence before arranging for your car to be assessed and repaired.
Real Insurance FAQs
Q. What optional cover benefits are available?
- A. You may wish to add one or more of the following options to your policy: Pet Cover, Bicycle Cover, Hire Car Cover, Excess-free Windscreen Cover, 24-Month New Car Replacement Cover or Roadside Assistance.
Q. Can I change my excess?
- A. Yes, it’s possible to increase your excess at any time, but you can only decrease your excess when you renew cover.
Q. I’m a learner driver - am I covered?
- A. Yes, Real Car Insurance will cover you as long as you have a valid learner driver’s licence or permit and you are accompanied by a fully licensed driver.
Q. Can I get a CTP green slip from Real Car Insurance?
- A. No, Real does not offer CTP policies.
I'm ready to compare policies now
Deciding on the right car for your needs is a very important choice, but deciding on the right car insurance coverage is just as important. Motor vehicle insurance provides financial protection against a wide range of risks, from theft and fire damage right through to liability for causing third party injury or property damage, so you need to know that you have adequate cover in place before you hit the road.
When you’re looking for insurance coverage for your vehicle, each of the four policy options from Real Car Insurance is worth considering. Just make sure you shop around and do plenty of research before you choose one of the many policies available.
Compare policies online today
AFSL Number: 402397 Secure Copyright © 2016 Choosi Pty Ltd ABN 15 147 630 886
Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.
Choosi is a related company of Greenstone Financial Services Pty Ltd (ABN 53 128 692 884; Ground Floor, 58 Norwest Blvd, Bella Vista NSW, 2153, Australia), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: Chubb Insurance Australia Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436; Level 12, 465 Victoria Ave, Chatswood, NSW, 2067, Australia), the issuer of each pet insurance product Choosi is able to arrange directly.
Where requested by you, we can provide access to other Life, Income Protection and Funeral Insurance brands by referring you to a third party partner. The Home & Contents and Car Insurance products available are issued and distributed by Compare the Market Pty Ltd (ABN 83 117 323 378, AFSL 422926). The Business Insurance products available are issued and distributed by BizCover Pty Ltd (ABN 68 127 707 975, AR 338440), an Authorised Representative of Mega Capital Pty Ltd (ABN 37 098 080 418, AFSL 238549). If you choose to purchase these products we will refer you to the appropriate partner. If you purchase a product as a result of a referral, we will receive a fee or commission, depending on the partner you are referred to.
Choosi has commercial relationships with all insurers that are available for comparison. Choosi obtains a commission from the insurer for arranging any insurance you choose to buy.
Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance, and final expenses insurance products sold through Choosi are available through this website. Relevant PDSs and/or Policy Wording Documents for products available through our partners are available on their websites. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.