What does my Comprehensive Car Insurance cover?


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

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

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.

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.

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.

We pay up to $500 an item, if an incident we cover causes loss or damage to your car, and your baby capsule or child seat gets damaged. We pay this on top of your agreed or market value.

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

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

If theft or attempted theft causes loss or damage to your car, we include this as standard for up to $65 a day (up to 21 days).

Not included

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

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 hire car, this will include up to $65 per day (up to 14 days) until your car is repaired after an incident or your claim is settled. 

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

Personalise your cover


Choose your optional add-ons 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.

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


CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.3 out of 5 by 5443.
Rated 5 out of 5 by 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 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 from Great Service My car windscreen got chipped by a stone thrown up by the truck in front of me. I rang the NRMA when I got home, they immediately contacted a windscreen repairer who rang back soon after. There were no costs or hassles for me, and I didn't lose my no claim bonus. Thank you
Date published: 2016-10-14
Rated 5 out of 5 by 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 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 from Excellent Service! Communication was friendly and repair was done promptly.
Date published: 2016-05-17
Rated 5 out of 5 by 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 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
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