Real Insurance

Real Insurance, general and life insurance for the Australian market

Real Insurance is an insurance brand aimed at the Australian public that markets and distributes personal and property protection products. Its catalogue covers life, funeral, income protection, health, pet, home, landlords, car and travel insurance. The company presents itself as a straightforward option for cover at different stages of the policyholder's life.

Life, funeral and income protection products

In the life area, the company offers term life insurance, life cover for self-managed super funds (SMSF), children's insurance and serious illness insurance. The website includes tools to calculate how much life cover a person needs and comparisons between full life insurance and term life insurance, as well as specific guidance for seniors and couples.

Funeral insurance is designed to cover funeral costs, unpaid bills and other final expenses, and is complemented by accidental death cover. Income protection is designed to keep money coming in if the policyholder becomes sick or injured and cannot work, with payments to help cover expenses during recovery. The company also publishes information on the tax deductibility of this product.

Health, pet, home, car and travel

The health offering is structured into hospital cover and extras cover. For pets, the company markets three levels of accident and illness cover — Premium, Standard and Classic — as well as a routine care benefit and informative content on vet costs and exclusions. For the home, it offers home and contents insurance, contents insurance and optional extras, along with tools to retrieve quotes and access the customer account.

Landlords insurance is presented as a standalone product, with access to quotes and account management. For cars, the catalogue includes comprehensive insurance, Pay As You Drive, third party property, fire and theft, and third party property damage. Travel insurance completes the range.

The Real Reward programme

The company operates a commercial programme called The Real Reward, under which new policyholders of life, income protection, funeral or pet insurance receive 10% of the premiums paid back after the first twelve months. The website describes it as a 10% cash back of the premiums paid.

Track record, awards and ratings

Real Insurance states that it has received recognition from industry and consumer award programmes for more than seventeen years, and links these awards to its value proposition, innovation and customer service. The company states that hundreds of thousands of Australians have taken out its products. At the time of analysis, the site showed a rating of 4.6 out of 5 from 5,344 Feefo reviews, a figure that in another section of the same page appeared updated to 5,924 reviews.

Editorial and research content

The brand maintains a news and analysis section with its own reports on topics such as inheritance and wills, separations, jobs of the future, personal relationships, commuting and neighbourhoods. These reports are presented as original research by the insurer on issues affecting Australian families. The Real Spotlight section brings together practical articles on family, money, insurance, retirement and pets, with examples such as home safety checklists, what to do after a car accident, the scope of home and contents insurance, life insurance linked to mortgages and online safety tips.

Business structure and customer service

The products are promoted and distributed by Greenstone Financial Services Pty Ltd, which operates under the Real Insurance brand. The insurer for general insurance products is The Hollard Insurance Company Pty Ltd, while life products are provided by Hannover Life Re of Australia. The company provides phone support, online policy management, claims submission, contact and information request forms, as well as access to product disclosure statements, financial services guide and target market determination.

Location and contact

Email: customercare@realinsurance.com.au