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

Comprehensive Car Insurance in NSW starts from as little as $1.65 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.

What's covered?

  • Collision or crash
  • Accidental damage
  • Theft or attempted theft
  • Vandalism or a malicious act
  • Storm
  • Fire
  • Flood
  • Earthquake
  • Explosion
  • Tsunami


  • 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 you're 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

See more in the comparison table


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 Disclosure 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.