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Comprehensive Car Insurance from as little as $1.65 per day covers your car for accidental damage, collision or crash, earthquake, explosion, fire, flood, storm, theft or attempted theft, tsunami, vandalism or a malicious act. It also automatically covers the extras on your car like alloy wheels, sunroofs and custom sound systems^. In addition it includes hire car cover for up to 21 days to keep you moving if your car’s stolen.

We also offer Comprehensive Plus Car Insurance with all of the cover of Comprehensive Car Insurance as well as added extra's such as hire car, excess-free windscreen, sunroof, glass cover and more. 

Additional Content: 

Why choose NRMA Comprehensive Insurance?

 Automatic cover for modifications, options and accessories  We cover anyone who drives your car**
 Flexible excess levels to help reduce your premium  Lifetime guarantee on repairs we authorise
 With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.  24/7 Helpline assistance
 Experience – we've been insuring Australians for over 85 years  

^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.

View a comparison of our Car Insurance products

 

FEATURES
BASIC COVER
Third party property damage

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INTERMEDIATE COVER
Third party fire & theft

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COMPREHENSIVE COVER

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COMPREHENSIVE PLUS COVER

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VETERAN, VINTAGE & CLASSIC VEHICLE COVER

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 Damage to someone else’s property
Damage to someone else’s property (such as a vehicle, fence or building)          
 Damage to your car
Damage to your car if you are not at fault in a collision or crash and the other vehicle is uninsured Up to a market value of $5,000 Up to a market value of $5,000      
Damage to your car if you are not at fault in a collision or crash and the other vehicle is insured   Up to a market value of $5,000      
Damage to your car caused by fire   Up to a market value of $10,000      
Damage to your car caused by thieves   Up to a market value of $10,000      
Damage to your car if you are at fault in a collision or crash           
Damage to your car caused by vandals or malicious acts          
Damage to your car caused by storms          
Damage to your car caused by floods          
Replacement of your car’s keys, locks & barrels          

 Other benefits

Loss or damage to your personal items       
 (up to $500)
 
(up to $500)
 
(up to $500)
 
Loss or damage to your tools of trade       
up to $1,500
(business use vehicles)

 

up to $1,500
(business use vehicles)

   
Automatic cover for modifications, options and accessories           
Loss or damage to baby capsules or child seats    

 

up to $500
(for each baby capsule)

 

up to $500
(for each baby capsule)

   
Emergency repairs   

 

 

(up to $800)

 

(up to $800)

 

(up to $500)

 
Lifetime guarantee on repairs we authorise             
Towing            
Loss or damage caused to a trailer or caravan you are towing     

 

(up to $1,000) 

 

(up to $1,000) 

 

Trailer only
(up to $500)

 
Your uninsured loss recovery             
 Glass protection
Damage to your car’s windscreen, sunroof and window glass        No excess to pay  
Eliminate your windscreen excess     Optional     
 Your brand new car
New replacement car if your car is written off in its first 2 years.          
 Car value
Agreed value of your car          
Market value          
 Your Discounts
No Claim Bonus for a good claims history          
Eligibility for life time No Claim Bonus          
Loyalty Discount          
Fuel efficient vehicle savings          
 Keeping you mobile whilst your car is being repaired
Hire car after theft or attempted theft   Up to $65 a day
up to 21 days
Up to $65 a day
up to 21 days
  *  
We can provide you with a hire car after an incident    

Optional up to $65 a day

up to 14 days 

  *  
We can pick your car up to be fixed          
We can deliver your car to you when it’s fixed          
Taxi transport to keep you mobile**          
 Expand All

* Unlimited car hire up to $95 per day until your car is repaired or your claim is settled
** Up to $250 in taxi fares if you need a taxi home from an accident, as well as to and from the repairer or hire car centre.

Comprehensive Car Insurance discounts and savings

 Loyalty Discount - save up to 25% on your premium as a loyal NRMA Insurance customer
 No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history
 Flexible excess levels - choose a higher excess for your policy and benefit from a lower premium
 Fuel efficient vehicle discount - enjoy a reduced premium if you have an NRMA Insurance recognised fuel efficient car

Discover more about Loyalty Discount

What level of cover do I get for my money?

For full cover details please read the Comprehensive Car Insurance Policy Booklet.

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

Optional cover

For an extra cost you can add:

  •  Hire car option. If your vehicle is involved in an incident other than theft or attempted theft and cannot be driven we will pay the cost of a hire car, up to $65 a day for up to 14 days.
  •  Windscreen option. Repair or replace your vehicle's windscreen, sunroof or window glass without paying the basic excess.
     
 Want our highest level of cover for your car?
Choose Comprehensive Plus Car Insurance


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.
^On agreed value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.
* Hire car for up to 21 days, up to $65 a day.

 


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