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

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 4.238522954091817 out of 5 by 1,002.
Rated 5 out of 5 by from Highly reliable I'be been with NRMA for 20 plus years. Over that time I have been very fortunate and never had the need to make a claim. So when something unexpected happened to my car I was a bit worried about how everything would work. Fortunately it was all completed seamlessly. They provided a hire car - it was all organised directly between NRMA and Hertz. I was able to choose the repair centre that I wished to use - the one my BMW service centre highly recommended. The repairs were completed as expected and I simply turned up at the panel beater, paid my 850 excess and drove away with my car back to its original state. What a relief! The only element that slightly surprised me was the use of a second hand tailgate part rather than a new one. Apparently this is the policy for centre items on cars that are three years or older. However, it didn't bother me as it saved waiting 4 plus weeks to get the part from Germany - and you could never tell the difference. The positive experience I had re-enforces my view of NRMA as a reliable company that provides great service. I'm keeping my insurance for my cars and house with NRMA!
Date published: 2016-09-30
Rated 5 out of 5 by from Great Service My repairs were done with a very good finish and the car presented to look like new.
Date published: 2016-09-30
Rated 5 out of 5 by from Great service Everything was processed really quick. Great communication and very helpful :)
Date published: 2016-09-30
Rated 5 out of 5 by from great service repairs were repaired very well and quick and was happy
Date published: 2016-09-29
Rated 5 out of 5 by from Repairs to damaged body of car. Overall very happy with the claim process although the online claim form instead of saying vehicle was moving when damaged, it said vehicle was stationary when damaged. Received a call from NRMA the next day after lodging claim to clarify whether vehicle was stationary or moving. Making a booking with the recommended smash repairer was pretty easy to do online. On the selected day took the vehicle in for inspection. Inspection process was pretty quick. The process of what would happen once I booked in my vehicle for repairs was thoroughly explained. On the day I took my vehicle for repairs, I was told the expected pick up date, explained about how the car hire process worked, transport was arranged to the car hire place in Fyshwick with an explanation of what I needed to do when I return the car to Fyshwick and how to get back to Phillip on the pickup day. On pickup day dropped off the hired car, go a taxi back to Phillip to pick my vehicle. My vehicle was ready for me once I got to Phillip. After checking if all the repairs were done, I did notice that the repairers had not replaced a damaged chrome fitting around the fog lamp. Spoke to the repairers and they organized right away to get a new chrome fitting. Had to wait 2 weeks after pickup before they had replaced the damaged chrome fitting. Disappointed that the repairers had not noticed that the chrome fitting was damaged. Communication from the repairers was excellent, they kept me informed on the progress of getting the new chrome fitting. Overall very happy with service provided by NRMA and Autoco, the repairers.
Date published: 2016-09-28
Rated 5 out of 5 by from Can't imagine any other company doing better. We were supported all the way through our claim experience. Could not imagine how any company could support us better. Our repairs were first class with hassle free service.
Date published: 2016-09-27
Rated 5 out of 5 by from Very prompt service All my needs were very promptly addressed. I'm very happy with the service.
Date published: 2016-09-26
Rated 5 out of 5 by from Fast on track my claim was real quick to completed , customer service was good to assist me to do my claim
Date published: 2016-09-26
  • 2016-10-01T07:26CST
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