Options you can add
Choose options you wish to add for a little extra cover where you need it, such as Hire car.
If you'd like to add both Windscreen and Hire car, consider our premium cover. Get a quote to see all options.
What does my Comprehensive Car Insurance cover?
Included
Collision or crash
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.
Theft, vandalism, accidental damage
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.
Towing
We cover the reasonable cost to tow your car from the incident to an authorised repairer or a safe place.
Tools of trade
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.
Fire, storm, flood
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.
Earthquake, explosion, tsunami
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.
Personal items
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.
Baby capsule or child seat
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.
New replacement vehicle
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.
Emergency repairs
We cover up to $800 for emergency repairs that you arrange to make your car safe and secure.
Hire car after theft or attempted theft
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).
Hire car after a not at fault collision or crash
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.
Partner Repairer network
We'll arrange for an NRMA Partner Repairer to fix your vehicle.
Not included
Excess free windscreen and glass damage
If you decide to take up the windscreen cover option, you won't need to pay an excess when you make a claim for damage to your car's windscreen, sunroof or windows.
No Claim Bonus Protection
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.
Hire car after an incident
If you decide to take up the hire car option, this will include up to $75 a day (up to 14 days) after an incident we cover causes loss or damage to your car.
Vehicle pick up and return for repairs
If you decide to take up our premium cover, we'll cover you for the pickup and return of your car to your home or work.
Roadside assistance
Roadside assistance can be purchased from the NRMA
Personal injury
Compulsory Third Party (CTP) Insurance covers people injured in a car accident, and can be purchased from our CTP Insurance page
Any repairer
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.
Here are some more awesome benefits…
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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
CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated
out of
5 by
5704.
Rated 5 out of
5
by
Scotty from
Very prompt service and good manners
Repairs carried out as quick as possible! Happy with outcome
Date published: 2016-03-08
Rated 5 out of
5
by
Sara W from
A VERY STRESS-FREE EXPERIENCE
Everything was handled for us by NRMA and the smash repairer. What could have been a traumatic experience, was all taken care of and completely stress-free. Having a hire care made a big difference too.
Date published: 2016-11-04
Rated 5 out of
5
by
R Vee from
very caring and responsive. work done well.
Great customer service. Work was completed on time with minimum fuss. No regrets at all in paying NRMA its premiums. We only have 5 insurance policies with them.
Date published: 2016-11-01
Rated 5 out of
5
by
Arts One from
Vandalism Outcome
My Audi A6 Quatro with the 3 litre turbo diesel engine was my retirement gift to myself and my pride and joy. I drove into a service station which I had used several times previously and filled up. I was not aware that someone had switched the pump handles over and the one clearly marked diesel was actually E10 petrol. I drove from the Central Coast to Sydney where the car would not restart. NRMA transported the car to a mechanical workshop recommended by them and the next day catastrophic damage was reported to me. I was advised that most insurance companies will classify this type of damage as the result of neglect by the driver and will not cover repair. I was in acute shock when I rang NRMA and explained. From that point on the whole experience was one of absolute professional care and efficiency. My explanation was accepted, the car was assessed and the workshop given the go ahead to examine the damage. The assessor determined that the workshop was well equipped to deal with an Audi and kept regular very professional contact with the mechanics. It was decided that the car could be repaired, albeit at great cost, and this was done. I paid my excess and now have my beloved Audi back and am just so, so, thankful that I have had all of my insurances with NRMA since 1977.
Date published: 2016-10-18
Rated 5 out of
5
by
beni from
Can't fault the service
The repairs were carried out as advised and on time
Date published: 2016-10-10
Rated 5 out of
5
by
Lake Macquarie from
Excellent Service
I was amazed at just how easy the whole process was and was kept informed along the way as to the process of my claim
Date published: 2016-10-11
Rated 5 out of
5
by
Ray5 from
Very easy to claim
The repairs done were very good and done in about 9 days
Date published: 2016-09-24
Rated 5 out of
5
by
Pauline from
EXCELLENT AND CARING CUSTOMER SERVICE
From the time I first rang to lodge my claim to the time I picked up my repaired vehicle I was treated with respect and consideration. All aspects of the claim were handled extremely well.
Date published: 2016-09-22