Comprehensive Car Insurance

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

Comprehensive Car Insurance in NSW starts from as little as $1.70 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 a quote

Make a claim

Retrieve a 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

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.233333333333333 out of 5 by 1,050.
Rated 5 out of 5 by from Front guard NRMA were brilliant, organised a rental car. Taxi to and from panel beater. The whole experience was very smooth.
Date published: 2016-10-21
Rated 5 out of 5 by from Insurance coverage of kangaroo strike damage It was so easy to arrange to arrange the repairs to my car through NRMA
Date published: 2016-10-21
Rated 5 out of 5 by from Fantastic Service I was estimated a week for repairs to be done, was completed within 4 days :)
Date published: 2016-10-20
Rated 5 out of 5 by from great service The whole process was handled with such great professionalism.
Date published: 2016-10-19
Rated 5 out of 5 by from Fantastic Repairs were amazing our ute looks better than it has since it was new. People think we have a new ute.
Date published: 2016-10-19
Rated 5 out of 5 by from Prompt and polite service by all Staff 1.Assessor contacted us quickly, stating that the car was written off and inquiring whether we needed anything out of the car. as we were unable to retrieve anything at the time of the accident, with the car being upside down.. Very helpful! 2. We had to hire a car for 14 days and our claim money was paid in that time, car bought and hire car returned.
Date published: 2016-10-18
Rated 5 out of 5 by from Great service My repairs were completed quickly and easily with no hassels
Date published: 2016-10-17
Rated 5 out of 5 by from So easy My repairs were easy to register through the online dashboard and I was then able to nominate my own smash repair. My car was assessed quickly and my claim was much easier than I thought it would be.
Date published: 2016-10-17
  • 2016-10-22T07:24CST
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