Payment Protection Insurance (PPI)

The main risk with having finance is if something happens to your ability to earn money.  PPI protects you, your family and your credit rating if the worst happens.


ACC only pays to a maximum of 80% of your income – How would your household react to an instant 20% pay cut?


Payment Protection Insurance covers you for the monthly installments on your credit contract in the event that you suffer from an insured event below. Options are specific to your source of income at the time of entering into a Credit Contract. The benefits are payable directly to the financier. In the unfortunate event of death, PPI covers the outstanding balance on the loan.


With only a minimum stand down period and generous cover for up to 60 months, PPI protection truly covers you for the unexpected at the time you need it most.

What Cover Options are Available?

SELF EMPLOYED COVER - See the Policy Booklet

Insured Events:

Death, Accident, Illness, Business Interruption and Bankruptcy. 


WAGE & SALARY EARNER COVER - See the Policy Booklet

Insured Events: 

Death, Accident, Illness, Bankruptcy and Redundancy 


RETIREE & BENEFICIARY COVER - See the Policy Booklet

Insured Events: 

Death, Permanent Total Disablement, Hospitalisation & Bed Care and Bankruptcy. 


For more information about any Insurance or Credit product Real Finance offers, please Contact us.




Motor Vehicle Insurance (MVI)

Real Finance understands that sinking feeling you get when something happens to your vehicle. Our Motor Vehicle Insurance policy through Autosure will help you pay for those nasty repairs and get you back on your wheels again.


Protect your family, protect your investment and protect your lifestyle.


With no stand-down periods and easy to understand policy wording, Autosure Motor Vehicle Insurance policy is the no-fuss solution to your comprehensive insurance needs.  Offering:


  • Easy Payment terms: Fortnightly, Monthly, Quarterly, Annual.
  • Direct Debit and Credit Card options.
  • Up-to $1000 Trailer cover * excludes caravans, boat and horse trailers.
  • Up-to $1000 for accessories such as Navigation systems and child seats.


See the Policy Booklet


For more information about any Insurance or Credit product Real Finance offers, please Contact us.




Mechanical Breakdown Insurance (MBI)

When purchasing a new motor vehicle, the last thing on your mind is mechanical breakdown. However vehicles today are complex and have so many mechanical and electrical components.


Autosure Mechanical Breakdown policies are designed to help protect you and your vehicle against the cost of sudden or unforeseen breakdown.


Protect your car and your budget. Autosure MBI insurance policies offer:



For more information about any Insurance or Credit product Real Finance offers, please Contact us.




Loan Equity Insurance (Gap Cover)

The Gap policy covers some of the difference (the gap) between a total loss payout on your vehicle by your comprehensive insurer and the balance owing under your credit contract. This is called a loan equity shortfall. GAP can only be purchased in conjunction with a credit contract, and in the event of a total loss that credit contract must still be active.


The vehicle must be comprehensively insured and GAP Cover can only be taken out at the time of vehicle sale or finance.


Additional Benefits Include:


  • Comprehensive Motor Vehicle insurance premium in relation to the replacement vehicle.
  • Any Excess in relation to the total loss vehicle.
  • On Road Costs comprising of dealer delivery and registration related to the purchase of any replacement vehicle.
  • Deposit for a replacement vehicle up to $1000.
  • Reimbursement for out of pocket expenses up to $200
  • Any amount relating to a prior debt included in the credit contract.
  • Reimbursement for the cost of hiring a rental vehicle for a maximum of 5 days.

Example of a GAP Claim*

You have an accident in your vehicle and the comprehensive insurer deems the vehicle to be a total loss. The insurer pays out to the financier, leaving a $5000 outstanding balance on your credit contract that you are liable for and which must be paid immediately. If you had GAP Cover, it would provide a payment of the outstanding amount less the comprehensive insurance premium and the original GAP Cover premium saving you potentially thousands.


Purchasing a replacement vehicle can also be an expensive exercise which is where the additional benefits under options 1, 2 and 3 really help out.

*Example only. There may be other deductions depending on the status of your credit contract.


Option -  Maximum Benefit and Additional Benefits 

  • 1 - $20,000 and $5,500  
  • 2 - $15,000 and $4,500 
  • 3 - $10,000 and $3,500 
  • 4 - $5,000 and $1,500


See the Policy Booklet


For more information about any Insurance or Credit product Real Finance offers, please Contact Us.



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