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'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 9132.
Rated 5 out of 5 by from Great service I am very happy with my repairs.They did an excellent job.
Date published: 2016-05-20
Rated 5 out of 5 by from Exceptional Quality of Service Within one week of having my car written off, I had my insurance money in my bank, and was driving my new car
Date published: 2016-03-16
Rated 5 out of 5 by from Excellent claims customer service My car was hit by another and after contacting NRMA and giving them the other drivers details - everything was followed up quickly and with ease. They booked my car in for repairs at a reputable local repairer and even organised a taxi to and from repairer which was a great help.
Date published: 2015-11-24
Rated 1 out of 5 by from Disappointed I'm extremely disappointed. I've been with NRMA for 12 years and have multiple policies (car, bike, home and contents). My car insurance went up by $100 in a year, even though I've made no claims, and in fact added a new policy to my collection during the year. I got a quote from a competitor which was $280 cheaper for the exact same cover. Rang up and was told that the price quoted was 'the best that can be done'. Even though I pay for all of my policies up front and have not made a claim in over 15 years. So bye bye NRMA. I'll be moving all of my policies as they come due, and won't bother renewing my road side assistance either, because I've never used it in the years that I've had it, yet it increases every year as well.
Date published: 2018-06-09
Rated 1 out of 5 by from Stunningly poor customer service I am a long standing member of NRMA with 4 policies. I discovered whilst on a call to NRMA regarding Car insurance that “you are in arrears with your Home & Contents policy....oh sorry, it has been cancelled!”. Yep, cancelled after a missed payment that I was unaware of. I received one auto generated email from NRMA, no call, no text, no follow up and a house that was uninsured for a month without my knowledge. Pretty stunned that something like this could happen. Where is the customer service?
Date published: 2018-03-28
Rated 1 out of 5 by from Extremely Poor service in responding to emails Appalled that the Claims Team do not respond to emails. You get an automated email advising someone will contact in 5 days - but no-one ever does. Appalling!
Date published: 2017-08-28
Rated 5 out of 5 by from Great Service from NRMA Insurance and Repairer Called NRMA and claim was quickly processed and Repairer notified Windscreen was replaced within 2 days
Date published: 2016-06-25
Rated 5 out of 5 by from impressed I had a windscreen replaced ages ago, told NRMA it was happening but did not actually submit the claim. A nice young person from the company rang me to remind me that I hadn't claimed. Some companies might have preferred me to forget it, but not NRMA!
Date published: 2016-04-30
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