Comprehensive Car Insurance

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

Comprehensive Car Insurance in NSW starts from as little as $1.70 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

What's covered?

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

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.

Get a quote

Make a claim

Retrieve a quote

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

 Frequently Asked Questions

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.3 out of 5 by 1529.
Rated 5 out of 5 by from Glad I'm with NRMA! My calls were answered promptly. The operators who took my calls were all easy to understand, informative and more than happy to help. Every dealing that I had with NRMA were both pleasant and professional - they really put my mind at ease. I highly recommend their services.
Date published: 2016-03-28
Rated 5 out of 5 by from car repairs suggested a preferred smash repairer close by. they were excellent. Once claim was processed, all taxis, hire car and paperwork was taken care of.
Date published: 2016-07-11
Rated 5 out of 5 by from Excellent Sevice !!! My comprehensive insurance claim was processed smoothly and quickly !
Date published: 2016-06-21
Rated 5 out of 5 by from accident claim Friendly and efficient service as always. That is why I stick to NRMA
Date published: 2016-05-11
Rated 5 out of 5 by from claim settled promptly. Helpful and eficient staff.
Date published: 2016-02-27
Rated 1 out of 5 by from unhappy I was very happy with all the staff at nrma they were great. I was extremly un impressed with express repairs at weathril park. They were always rude never attentive. I picked up my car i had nearly a full tank of petrol when i got it bak i only had a quarter which is disgusting. I had cds thrown through the car i had them out of the way. I also had stuff in my boot which i didnt relaise i had to take out. This stuff was thrown all through the car. My visor was broken when i got it bak also the repairs on the side where the blackplastic runs keeps popping out this was the part they fixed. I think this was absolutely disgusting.
Date published: 2015-10-26
Rated 1 out of 5 by from Disappointing follow up The accident was very small a large excess was taken out (due to driver being under 25) we were told we would be contacted if the claim was less than the excess so we could opt out of using no claim bonus Received no communication. When I eventually phoned I was told a claim had been lodged which was much less than my excess paid so I asked for it to be refunded so I could settle the claim directly. I then found this was not possible but was told I would have the balance of excess refunded within a week as the repair had been dcompleted already Ihad to phone again over 2 weeks later and then I was paid.i felt if I hadn't chased it up I would not have been reimbursed.
Date published: 2015-10-09
Rated 1 out of 5 by from NEVER AGAIN! Repairers in which my car was sent to was HORRIBLE. Small dent to the back of the car which was fixed in 3 days. When I went to pick up my car, the repairers scratched the front of my car in the process (scratch approx 10cm long). They were to fix it the following day so off i go home in a taxi. When I go the pick up the car AGAIN, there is an issue with the reversing sensors. They got really defensive, saying they didn't touch it... (my sensors were fine before my car got dropped off to you!). My boot handle was also missing, because they replaced the back part of the car, but chucked the handle away. Another 2 day wait for them to order and put it in. What a waste of my TIME!!!
Date published: 2015-10-08
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