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Car insurance FAQs

What is Comprehensive Car Insurance and what does it cover?

Car Insurance FAQs

Comprehensive Car Insurance FAQs

Our Comprehensive Car Insurance cover is designed to give you peace of mind by protecting you against a wide range of insured events, like car damage caused by fire, theft, weather and collisions.

We understand that accidents don’t just affect you. So, with this policy, you’ll also be covered for damage your car causes to other people's vehicles and property.

There’s also the option to add extras to suit your needs, like excess-free glass-only claims or choosing your own repairer.

There’s different levels of comprehensive cover, so check our Product Disclosure Statement (PDS) for specific terms, conditions, limitations and exclusions for each level of cover.

Our Comprehensive Car Insurance covers a wide range of insured events including damage to your car from accidents, theft, fire, and severe weather, as well as damage you may cause to other vehicles or property in an accident.

Our Third Party Property Damage Car Insurance covers damage you cause to other people's cars or property in an accident. It also covers damage to your car if an uninsured driver causes the accident (limits apply).

Our Third Party Property Fire & Theft Insurance offers the same cover as Third Party Property Damage, with additional protection if your car is stolen or catches fire (limits apply).

Check our Product Disclosure Statement (PDS) for specific terms, conditions, limitations and exclusions for each level of cover.

Compulsory Third Party (CTP) Green Slip Insurance (NSW) and NRMA Comprehensive Car Insurance are two different types of cover.

CTP Insurance doesn’t cover damage to your vehicle, other vehicles or property – only injuries from an accident. It’s insurance you need before you can register your vehicle. It covers costs like medical treatment and lost income for people who need it after they’re injured in a road accident.

No matter where you are in Australia, CTP is mandatory for all vehicle owners. In NSW, CTP is also referred to as a Green Slip. If you’re in the Australian Capital Territory, you’ll know it as MAI Insurance.

Comprehensive Car Insurance is optional. NRMA Comprehensive Car Insurance covers a wide range of insured events like car damage caused by fire, theft, weather and collisions. Accidents happen, so with this policy, you’ll also be covered for damage your car causes to other people's vehicles and property.

Check our Product Disclosure Statement (PDS) for specific terms, conditions, limitations and exclusions for each level of cover.

No, roadside assistance isn't included with NRMA Comprehensive Car Insurance. It's a separate product that you may wish to consider.

Yes, NRMA Comprehensive Car Insurance covers theft and attempted theft of your car. If your car is stolen, we'll help you get back on the road.

Car theft should be reported to the police. Provide us with the incident number and details of when and where you made the report. We also cover a hire vehicle or alternative transport after theft, for conditions and limits read the Product Disclosure Statement (PDS).

Remember, we also cover damage from an attempted theft, even if your car wasn't actually stolen.

No, Comprehensive Car Insurance doesn't cover engine or mechanical breakdown. We cover damage from accidents, theft, fire and storms.

Regular maintenance issues, or engine breakdown because of wear and tear or age, aren't covered under our car insurance policies.

Yes, NRMA Comprehensive Car Insurance covers anyone who drives your car with your permission. They don't need to be listed on your policy, though you may pay a higher excess if they're not.

If someone under 25 drives your car and they're not listed, you could pay an additional undisclosed driver age excess. We'll still cover the damage, but your costs might be higher.

To find out which excess type applies to your policy, please refer to your policy document or view your policy in your online account.

For more general information about excesses, see our Premium, Excess and Discounts Guide.

Yes, Comprehensive Car Insurance covers your car for hail damage. We’ll help you get the repairs you need and get you back on the road.

If scratches were caused as part of an accident, then yes, it is covered. Note that there are conditions and exclusions for scratches.

While NRMA Comprehensive Car Insurance protects you against a wide range of events, it doesn't cover everything.

For a full list of exclusions and conditions, read the Product Disclosure Statement.

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