Real Insurance

Protecting What Matters to Australians

Real Insurance is an Australian insurance brand that has been helping customers protect important aspects of their lives since 2005. Based in Norwest, New South Wales, the company provides a range of insurance products designed around the changing needs of Australian individuals, families, workers, homeowners, motorists and pet owners.

The brand's customer proposition is built around the simple message, “Real cover. Real support. Real simple.” Real Insurance focuses on making insurance easier to understand, easier to apply for and more accessible through online services and customer support. Since its launch, the company has expanded its product range and developed a substantial presence in the Australian personal insurance market.

Established in Australia in 2005

Real Insurance launched in Australia in 2005 with a goal of helping Australians protect the lives they were building and the people and possessions important to them. Over the years, the company has expanded its insurance portfolio to cover a variety of personal protection needs.

In 2007, Real Insurance launched Real Life Insurance. The business subsequently introduced Pay As You Drive Car Insurance in 2008. The company describes this as the first Australian insurance brand to launch a Pay As You Drive product based on the concept that customers who drive less could pay less.

The business continued to develop its offering over the following years, including the introduction of Real Health Insurance in 2023 and Real Income Protection Insurance in 2024.

A Broad Range of Insurance Products

Real Insurance now provides access to insurance products across several areas of everyday life. Its current product categories include life insurance, income protection, funeral insurance, health insurance, pet insurance, travel insurance, car insurance, home insurance and landlords insurance.

This broad product portfolio gives Australian customers access to different forms of personal protection through the Real Insurance brand. Each product has its own terms, conditions, exclusions, limits and insurer arrangements, so customers should review the applicable Product Disclosure Statement and policy documents before purchasing cover.

Real Insurance operates as a trading name of Greenstone Financial Services Pty Ltd. The insurer can differ between products, with relevant details disclosed in the applicable product documentation.

Car Insurance for Australian Motorists

Car insurance is one of Real Insurance's key product areas. The company provides online quote facilities and customer support for motorists looking for insurance for their vehicles.

Customers can use the website to investigate car insurance options, obtain quotes, manage policies and access claims information. Real Insurance also provides dedicated customer service and claims channels for its car insurance customers.

The company lists 13 60 36 for car insurance sales and 13 19 48 for service and claims. Car insurance claims can be lodged 24 hours a day, seven days a week through the dedicated claims service.

Real Insurance's history also includes its Pay As You Drive product, which was launched in 2008. This product formed part of the company's early focus on developing different approaches to Australian motor insurance.

Life Insurance for Family Protection

Real Life Insurance was introduced in 2007 as part of the company's expansion into personal financial protection. Life insurance can help provide financial support to eligible beneficiaries when an insured person dies, subject to the terms and conditions of the policy.

Real Insurance provides online information about its life insurance products, allowing customers to research available cover and request further information.

The company states that its life insurance products are designed to help Australians protect the financial future of their families and loved ones. Customers should always review the relevant Product Disclosure Statement to understand eligibility requirements, benefits, exclusions and policy conditions.

Income Protection Insurance

Real Insurance expanded its offering in 2024 with Real Income Protection Insurance. Income protection is designed to provide a potential source of financial support if an insured person becomes unable to work because of illness or injury, subject to the applicable policy terms.

The product is intended for working Australians who want to consider protection against circumstances that could affect their ability to earn an income.

Real Insurance provides dedicated contact channels for income protection customers, including sales, service and claims teams. The company's website lists separate phone numbers and email addresses for these services.

Home and Landlords Insurance

Real Insurance also provides home insurance and landlords insurance.

Home insurance is designed for customers looking to protect their residential property and belongings under the terms of their selected policy. Landlords insurance is intended for property owners who rent residential properties and may have different insurance requirements from owner-occupiers.

Customers can investigate these products online and obtain information about available cover, policy conditions, claims and customer support.

As with all insurance products, the precise protection available depends on the policy purchased, applicable exclusions and individual circumstances.

Pet Insurance

For Australians who consider pets part of their family, Real Insurance provides pet insurance products.

Pet insurance can assist eligible customers with certain veterinary costs, depending on the selected level of cover and applicable policy conditions. The company provides information online to help customers understand the available options.

Because pet insurance policies can contain waiting periods, exclusions, benefit limits and other conditions, customers should carefully read the relevant policy documents before deciding on cover.

Travel Insurance

Real Insurance also provides travel insurance for Australians looking for protection associated with eligible travel-related circumstances.

Travel insurance can address different risks associated with domestic or international travel depending on the selected policy. Customers can obtain information online and review the applicable policy documentation before purchasing.

The online approach allows customers to research travel cover without needing to visit a physical insurance office.

Health Insurance

Real Insurance expanded into health insurance in 2023 through a partnership with nib.

According to the company's published history, Real Health Insurance offers Hospital and Extras cover and is supported by nib's experience in the Australian health insurance market.

This expansion added another area of personal protection to the Real Insurance portfolio and gave customers additional options for considering insurance related to health and wellbeing.

Funeral Insurance

Real Insurance also offers funeral insurance as part of its broader personal insurance portfolio.

Funeral insurance is intended to provide financial assistance for eligible funeral-related expenses, subject to the terms and conditions of the selected product.

The applicable insurer and policy conditions can differ between Real Insurance products, so customers should review the Product Disclosure Statement and other documentation before purchasing.

Simple Online Insurance Services

Digital accessibility is an important part of the Real Insurance customer experience.

Customers can research insurance products, obtain quotes, make enquiries and access policy-related services through the company's website. Online tools allow customers to investigate insurance from home or another location without necessarily needing to visit an insurance branch.

Real Insurance combines these digital services with telephone-based customer assistance. This gives customers different ways to interact with the business depending on the type of support they require.

Customer Support

Real Insurance maintains dedicated customer service channels across its different product categories.

For general and car insurance enquiries, the company lists 13 60 36 as its sales contact number. For car insurance service and claims, it lists 13 19 48. The company also provides dedicated email addresses for different insurance products and services.

Real Insurance also states that it provides additional support for customers experiencing vulnerability. This includes consideration of circumstances that may create particular needs and accessibility requirements.

Customers who require interpreting or National Relay Service assistance can also access relevant support through the company's customer service channels.

Claims Support

Claims are an important part of the insurance experience, and Real Insurance provides dedicated claims services for its products.

For car insurance, the company lists a 24-hour claims lodgement service operating seven days a week. Customers can also access online claims information and product-specific claims channels.

Claims are assessed according to the relevant policy terms, conditions, exclusions and applicable documentation. Customers should therefore refer to their Product Disclosure Statement and Certificate of Insurance when determining what their policy covers.

Community Involvement

Real Insurance also operates community-focused initiatives through its grants programs.

The Real Futures Grant provides financial assistance to support students studying areas including business, finance, medicine and healthcare. The company also operates the Real School Grant, which is designed to assist schools and school groups with improving resources and their communities.

These initiatives form part of Real Insurance's broader community involvement and sit alongside the company's insurance activities.

Recognition and Industry History

Real Insurance reports that it has received recognition from industry and consumer award programs for many years. Its website states that the company has been recognised for 17 consecutive years, including recognition related to customer service, value and product innovation.

The company lists historical awards and recognition from organisations including Feefo, Mozo, Roy Morgan, Money Magazine and Australian Banking & Finance Magazine.

These awards represent recognition from individual organisations using their own criteria and should be considered in that context.

Sydney and Norwest Presence

Real Insurance operates from Norwest, New South Wales. Its corporate address is listed as 50 Norwest Boulevard, Norwest NSW 2153, where Greenstone Financial Services operates the Real Insurance brand. Current Real Insurance promotional terms also identify this address.

The company's Australian-based operations support its customer service, insurance administration and broader business activities.

Insurance Designed Around Everyday Needs

Since launching in 2005, Real Insurance has expanded from its original offering into a broader portfolio covering many areas of personal protection.

Its current product range includes life, income protection, funeral, health, pet, travel, car, home and landlords insurance. The company combines online information and quote services with telephone and claims support.

For Australian customers researching insurance, Real Insurance provides a central online platform where they can explore different types of cover, obtain information, request quotes and access customer support.

As insurance policies differ in their coverage, exclusions, limits and eligibility requirements, customers should carefully read the relevant Product Disclosure Statement and policy documents before purchasing.

Real Insurance's long operating history, broad product range, digital services and customer-support channels form the foundation of its offering to Australian consumers and families.