What does my Comprehensive Car Insurance cover?

Included

We cover your car for loss or damage caused by a collision or crash, up to the agreed or market value as stated on your policy.

We cover your car for loss or damage caused by theft, vandalism or accidental damage, up to the agreed or market value as stated on your policy.

We'll arrange for an NRMA Partner Repairer to fix your vehicle. Our network of quality repairers will get you safely back on the road as soon as possible.

We cover your car for loss or damage caused by fire, storm or flood, up to the agreed or market value as stated on your policy.

If theft or attempted theft causes loss or damage to your car, this is included as standard for up to $75 per day (up to 21 days).

If a collision or crash causes loss or damage to your car, you're not at fault and you can provide the name and residential address of the at fault driver.

We cover up to $800 for emergency repairs that you arrange to make your car safe and secure.

We cover your car for loss or damage caused by an earthquake, explosion or tsunami, up to the agreed or market value as stated on your policy.

We cover the reasonable cost to tow your car from the incident to an authorised repairer or a safe place.

If your car is written off within the first two years from when it was registered, we’ll replace it with a new car of the same make, model, engine size, equipment level and paint type if it’s available in Australia.

If an incident we cover causes loss or damage to your car, and your personal items get damaged, we’ll pay up to $500 in total for certain items.

If an incident we cover causes loss or damage to your car, and your baby capsule or child seat gets damaged, we’ll pay up to $500 per item. This is paid on top of your agreed or market value.

If an incident we cover causes loss or damage to your car, and your tools of trade get damaged, we’ll pay up to $1,500. You must be registered for GST and have told us that you use your car for business purposes.

Options you can add

If you decide to take up the windscreen option, this will include damage to your car windscreen, sunroof or windows with no excess payable.

If you decide to take up the hire car option, this will include up to $75 a day (up to 14 days) until your car is repaired after an incident or your claim is settled.

If you decide to take up No Claim Bonus Protection, then your No Claim Bonus will be protected for the first at-fault claim you make in a policy year.

If you decide to take up the 'Any Repairer' option, you can choose your own repairer to fix your car.

This option applies to policies taken out from 24 September or with a renewal date from 6 November 2017.

Choose any of these options during the quote process.

 

For more protection, consider our premium cover.

Not included

There are specific limits, exclusions, and conditions that apply to some parts of your cover. For the full list of general exclusions, please refer to the Product Disclosure Statement (PDS)

This option is only available when choosing our premium cover, and covers the pickup and return of your car to your location when repairs are needed.

Roadside assistance can be purchased from the NRMA

Compulsory Third Party (CTP) Insurance covers people injured in a car accident, and can be purchased from our CTP Insurance page

Here are some more awesome benefits…

Loyalty Discount

Our Loyalty Discount rewards you for having multiple policies with us and for the length of time you keep them. The more policies you have, the more you may save!

Easy claims process

Claim in 3 easy steps:

  1. It'll take about 15 minutes to lodge your claim online
  2. We'll need to know a few details about the incident, such as where and when it happened
  3. You can choose a Partner Repairer and book an inspection time

Our web chat team can help with any questions you have through Self Service Centre

Convenience and flexibility

  • Choose your basic excess level to help reduce your premium
  • 24/7 helpline assistance for fast support
  • Submit an online claim any time, day or night
  • Select from over 500 authorised repairers
  • Last year 71% of our customers’ motor collision repairs took less than 7 days to complete
  • Rest easy knowing we have over 90 years insurance experience

Still have a few questions?
Try our FAQs

Need more info?

 

What to do if you’ve
been in an accident

 

Product Disclosure
Statement (PDS)

 

Premium, Excess and
Discounts (PED) Guide

 

Changes to the NSW
Emergency Services Levy

 

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.2 out of 5 by 10072.
Rated 1 out of 5 by from Very disappointed I am very disqusted in the nrma service as I have been with the nrma for a very long time including 2 cars insured with the nrma. After my car is fixed I will be insuring with someone else and leaving nrma thanks
Date published: 2017-08-29
Rated 5 out of 5 by from Great service Took bit longer time to do repair on my car but it's come in really nice condition.
Date published: 2016-10-27
Rated 5 out of 5 by from Prompt and polite service by all Staff 1.Assessor contacted us quickly, stating that the car was written off and inquiring whether we needed anything out of the car. as we were unable to retrieve anything at the time of the accident, with the car being upside down.. Very helpful! 2. We had to hire a car for 14 days and our claim money was paid in that time, car bought and hire car returned.
Date published: 2016-10-18
Rated 5 out of 5 by from Great service My repairs were completed ahead of schedule. Standard of workmanship met my high expectations. .
Date published: 2016-06-09
Rated 5 out of 5 by from Great service Windscreen replacement of cracked window on our bt50
Date published: 2016-02-15
Rated 5 out of 5 by from Excellent service It would as so easy to lodge my claim over the phone. The repairs were completed quickly and with no fuss. Perfect!
Date published: 2016-10-29
Rated 5 out of 5 by from So easy My repairs were easy to register through the online dashboard and I was then able to nominate my own smash repair. My car was assessed quickly and my claim was much easier than I thought it would be.
Date published: 2016-10-17
Rated 5 out of 5 by from Excellent service Phone Consultant very helpful and car was fixed quickly and the process was easy
Date published: 2016-10-10
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