Real Insurance Reviews 

This company should be hanging its head in shame, I cancelled all my polices two months ago as they were so very expensive, I had been with them for more than 10 years until I discovered how much I was being ripped off by, I cancelled all the policy’s and two months later they are still taking monies from my account unauthorised, trying to get theses commissions based sales staff to listen is like extracting teeth, all they want to do is trick you into a cheaper policy !! I do not recommend this company or its conduct, I would also suggest that people look at other companies who are more honest and transparent especially with cancelling a policy. nightmare !

I was very organised with my car insurance this year and started comparing policies at the end of May, a month before my renewal date. Real Insurance was around $200 cheaper than any other insurer, so I decided to take out a policy with them.
I provided my bank details, assuming the premium would be debited on 28 June. On 2 July, I received an email advising that payment had not been received. Concerned, I called their customer service team immediately. The representative confirmed that my bank details were correct. I explained that it was a major concern that the payment hadn't been processed despite the correct details being on file, and I specifically asked if he could assure me there would be no further issues. He apologised for the error and assured me everything was sorted.
On 21 July, I received another email advising that payment still had not been received and that my policy would be cancelled on 4 August if payment was not received. At that point, I contacted Real Insurance again, but I had completely lost confidence that the issue would be resolved. I cancelled the policy myself and arranged insurance with AAMI instead.
I did everything I was supposed to do. I provided the correct bank details, followed up as soon as I was notified of a problem, and was assured it had been resolved. Despite that, the issue was never fixed.
I've now cancelled the policy and taken my business to AAMI. I'm extremely disappointed with the way this was handled and have completely lost confidence in Real Insurance.

Update: Real Insurance has since responded to this review asking me to contact them so they can investigate the matter. However, as outlined above, I had already contacted them by phone when the first payment issue occurred and again after receiving the second notice. My concern is that I was assured the issue had been resolved, yet it clearly had not.

Real insurance you should be reported to the ACCC. After reading these reviews, you should be ashamed, making a death, even more upsetting for loved ones. Shame on you. You just tried to call me but after reading so many of these negative reviews, all I can say is F#CK NO!!

Have paid Premiums for over 15 years and have just received my notice for the next year The premium has gone up by 5% from $125 per fortnight to $131.99 per fortnight. However the benefits have only increased by $1000 ..... wanted to know where my other $2000 in premium payments went and was told that it was not a savings policy. What a bloody rip off THINK TWICE BEFORE YOU SIGN

Sadly Real Life profited from our late mother's dementia – Very disappointed with this company after she paid off her funeral for 10+ years. Her payments stopped when her bank card changed and no other family members were notified. She was notified...but people with dementia don't answer emails and don't have a phone to call. 11 months later she died and they did not pay a cent after taking her money for her funeral for 10+ years. Real Life insurance ethics are disgraceful. Zero stars if possible. No care - just profited from her payments and our family were left with the funeral bill. Grief is horrible enough - they had no remorse. It was shown in their actions during this process.

The most expensive I came across but unfortunately the only one who would insure my husband for a condition he was born with, so not life threatening . We were paying over $200/month. Circumstances changed, we no longer need it, so I cancelled it 3 days after making the monthly payment. Mine (from a different company) was refunded in full. Real however "cannot issue a refund"! Understandably. I'd hate to take away 1/2 hour of the CEO's wages! 😡😡

Please think very carefully before taking out funeral insurance with Real Insurance.

Having dealt with them following my stepfather’s death, then my mum’s five months later, and now a few years later an uncle’s, I can honestly say they have made already heartbreaking times far more stressful than it needed to be.

The level of complexity, delays and overwhelm they place on grieving family members trying to finalise funeral and estate matters is unlike anything else I’ve experienced.

Please don’t add unnecessary stress to your loved ones. A far simpler and kinder option is to set aside money in a dedicated bank account specifically for your funeral.

The most expensive Insurance I have come across. They claim to help Seniors. In what way? By ripping them off? I firstly cancelled my car insurance and then my house insurance. They are a joke.
I am now insured with another company and saving alot of money per year. I DO NOT RECOMMEND this company at all.

Your ads doesnt feel Australian. No one interested

REAL INSURANCE is by far the worse Insurance company I had ever come across . They hound you like debt collectors if you miss one payment. I was harassed at work with million phone calls . I ended up cancelling all our insurances and gone through the bank now . As it goes directly through my account.

They provide simple, easy to understand insurance.

If you chose Real Insurance and accidentally miss a payment. They will harrass you with phone calls.

Tried to increase my life insurance which I have had for 7 years and because I answered yes to having diabetes and now free of it declined my increase. This is discrimination to people and also not legal. Discrimination against people with diabetes in life insurance is unlawful in Australia under the Disability Discrimination Act 1992 (DDA). Bunch of assholes

After any late payments I would be hounded by up to 10 phone calls a day. After 12 months of dealing with this harassment I was offered a better policy with another insurer. There was no option to cancel my policy on the client portal, so I emailed requesting to cancel and specifically requested no further phone contact as I now live remotely with no phone service. Instead Real Insurance continued to hound me phoning me day and night. When I went into town I phoned them requesting to cancel only to be put on hold for 15 minutes and told no-one was available to take my call. This is surely fraudulent conduct. Absolute avoid.

I took out life insurance with them, a year later the premium went up with 25% so what they do is it go up every year till you can not afford it any more. I phone them on the 9 September 2025 to cancel this policy they said they will phone me back, did not phone me back for 3 weeks but put 3 payment throw my account. They phone me today and said they will send me a cancel form nothing .THIS INSURANCE IS A SCAM NEVER WASTE YOUR MONEY ON THEM

I am not a policy holder but one wonders about the incredulous sum of money they are obviously spending on promoting their product with saturation advertising on tv; and conversely, the number of negative reviews by the legion of disillusioned policy holders that appear below. This company comes across as a serial scammer.

Don't go with real insurance. They try and rip you of after 1 year of being with real. Their promise is that you get 10 percent back of your 1 year premium after 1 year when they didn't come to the party when I rang up to get it after 1 year.
The woman on the phone was RUDE and not forthcoming in giving my $100 back. UNTIL I EVENTUALLY SAID THE WORDS A CURRENT AFFAIR CHANNEL 9 TO HER, SHE WAS QUICK TO CHANGE HER ATTITUDE AND TONE OF VOICE TRYING TO WALK OVER ME. I HAD THE LAST LAUGH AS I PUT THIS RUDE WOMAN IN HER PLACE AND I GOT MY $100 BACK.
WORKS ALL THE TIME WHEN YOU MENTION A CURRENT AFFAIR. It is time that people stand up to these money hungry insurance companies that try to make you out to be a fool.

I thought AAMII and Woolworths and Suncorp were bad.
But 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 what I did couldn't get through their B.S 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. Woolworths and others suncorp etc 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

I wanted to cancel my policy as I am no longer working and was told to make the request in writing, which I did. Then received an email telling me that someone from customer care would call. No phone call. So I phoned again and was told they were all busy and to expect a priority call within the hour. Meanwhile 3 hours later and still nothing. Very, very disappointing. Customer service? Appalling.