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
- Collision or crash
- Accidental damage
- Theft or attempted theft
- Vandalism or a malicious act
- 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)
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
^ 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.
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
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