Comprehensive Car Insurance

Cover for your car and other people's vehicles and property

Comprehensive Car Insurance in NSW starts from as little as $1.60 a day. For that we cover your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Plus we cover the extras on your car like alloy wheels, sunroofs and custom sound systems^. It also includes hire car cover for up to 21 days if your car's stolen.

Upgrade to our Comprehensive Plus Car Insurance for all the cover of our Comprehensive Car Insurance with extras including hire car, excess-free windscreen, sunroof, glass cover and more.

Do you drive for a ridesharing service like UberX?

We're making ridesharing insurance easy by including it in our car insurance products.

  • Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing
  • Existing customers, please call us on 132 132 so we can update your policy

What's covered?

  • Collision or crash
  • Accidental damage
  • Theft or attempted theft
  • Vandalism or a malicious act
  • Storm
  • Fire
  • Flood
  • Earthquake
  • Explosion
  • Modifications, options and accessories^
  • Emergency repairs up to $800
  • Hire car after theft or attempted theft up to $65 a day up to 21 days
  • New for old replacement if your car is written off in its first 2 years
  • Liability cover up to $20 million
  • Tools of trade up to $1,500 (business use vehicles)
  • Towing
  • Tsunami

Optional cover

You can add options to your policy to increase your Comprehensive Car Insurance cover.

  • Hire Car: if your car is involved in an incident other than theft we'll pay the cost of a hire car up to $65 a day for up to 14 days
  • Windscreen: repair or replace your vehicle's windscreen, sunroof, or window glass without paying the basic excess
  • No Claim Bonus Protection: your No Claim Bonus won't change for the first claim you make in a policy year, even if you're the driver who caused the incident

Comprehensive Plus, our highest level of cover

NRMA Comprehensive Plus Car Insurance provides all the features of our Comprehensive Car Insurance, with additional cover to give you peace of mind.

Comprehensive Plus offers the following cover:

  • Hire car up to $95 a day until your car is repaired or your claim is settled
  • Excess-free windscreen, sunroof and window glass damage

Important documents

Download the Product Discloure Statement (PDS) and policy booklet

Download the Premium Excess and Discount Guide (PED)

^ On agreed value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.

** Additional excess applies to drivers under 25 or with less than 2 years' driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products.

Get quote

Retrieve quote

Why choose NRMA Insurance?

  • Automatic cover for modifications, options and accessories
  • Flexible excess levels to help reduce your premium
  • With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.
  • Experience – we've been insuring Australians for over 90 years
  • We cover anyone who drives your car**
  • Lifetime guarantee on repairs we authorise
  • 24/7 Helpline assistance
  • No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

 Frequently Asked Questions

Getting your own car insurance for the first time
	What you need to know. Find out more on The Hub

Getting your own car insurance for the first time
What you need to know. Find out more on The Hub

The real cost of buying a car
	How to budget for buying and running your first wheels. Learn more at The Hub

The real cost of buying a car
How to budget for buying and running your first wheels. Learn more at The Hub

A day in the life of an NRMA Comprehensive Car Insurance claim

A day in the life of an NRMA Comprehensive Car Insurance claim

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.245753114382786 out of 5 by 883.
Rated 5 out of 5 by from car repairs suggested a preferred smash repairer close by. they were excellent. Once claim was processed, all taxis, hire car and paperwork was taken care of.
Date published: 2016-07-11
Rated 5 out of 5 by from I asked to have all policies grouped this was done with a minimum of fuss
Date published: 2016-07-11
Rated 5 out of 5 by from written off vehcile vehicle was written off, processing was quite fast and appreciated.
Date published: 2016-07-11
Rated 5 out of 5 by from Very good Always look after customer good service good reputation
Date published: 2016-07-10
Rated 5 out of 5 by from excellent service excellent service from BF Panels . They were very accommodating with our needs.
Date published: 2016-07-08
Rated 5 out of 5 by from Excellent Service The whole process from start to end went very smooth. Also the additional service provided from Compass to lend us a car for the period made it that extra special. Thank you NRMA.
Date published: 2016-07-07
Rated 5 out of 5 by from Efficient and Professional Our car was flooded and written off as a result of flash-floods in Brisbane. Our situation was understood and assessed straight away. Once NRMA deemed the car to be written off we received payment in full for the value of the car plus the contents within 10 days. At a distressing time we cannot thank you enough for your excellent service and understanding throughout.
Date published: 2016-07-07
Rated 5 out of 5 by from Problem Free Excellent repairs and customer service form both the NRMA and Silverwater Smash.
Date published: 2016-07-06
  • 2016-07-22T07:16CST
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