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!
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.
Partner Repairer network
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.
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.
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.
Emergency repairs
We cover up to $800 for emergency repairs that you arrange to make your car safe and secure.
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.
Towing
We cover the reasonable cost to tow your car from the incident to an authorised repairer or a safe place.
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.
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.
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.
Options you can add
Excess free windscreen and glass damage
If you decide to take up the windscreen option, this will include damage to your car windscreen, sunroof or windows with no excess payable.
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) until your car is repaired after an incident or your claim is settled.
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.
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.
Choose any of these options during the quote process.
For more protection, consider our premium cover.
Not included
General exclusions
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)
Vehicle pick up and return for repairs
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
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
Here are some more awesome benefits…
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
out of
5 by
8111.
Rated 5 out of
5
by
Angie from
very good service
very satisfied with my repairs and my refund was promptly processed and received
Date published: 2016-06-10
Rated 1 out of
5
by
Sore Legs from
Great excuse to get fit
Thanks for taking more than 3 months to fix a small ding in the back of my car. Its given me lots of opportunity to walk everywhere and meet lots of interesting people on public transport.
Date published: 2016-05-20
Rated 5 out of
5
by
Trish the dish from
Great service
I am very happy with my repairs.They did an excellent job.
Date published: 2016-05-20
Rated 1 out of
5
by
Timothy from
Absolutely disgusting
Nrma insisted I was not at fault and they drag this on for 12 months to save their own financial invests(to avoid a payout to third party) , then when up cane to crunch time they didn't want to go to court and instead demanded I take responsibility. Nrma simply looked out for nrma and stuffed me around in the process. Absolutely disgusting. Had to get FOS involved. Nrma were difficult and argumentative.
Date published: 2016-01-22
Rated 5 out of
5
by
Sankar from
Great Courtesy. Great service.
Granting "go ahead" to carry out the repair job was quick.
Date published: 2016-06-19
Rated 5 out of
5
by
HeyKen from
Excellent service
As per quoted time excellent work pleasant employees.
Date published: 2016-03-22
Rated 3 out of
5
by
Jim Wilkins from
Service was great once car was actually in for rep
Happy with work carried out, not happy with the assessors assumptions, yes I hit a Kangaroo and at the time the damage was assessed but 2 weeks late the drivers mirror falls off where the kangaroo fell after the collision, he declined that the mirror would be replaced in this claim, HOW CAN HE SAY THAT THE KANGAROO DID NOT CAUSE A FRACTURE AND THE MIRROR TO FALL OFF, mirrors don't just fall off without a reason. My wife and I have been insured with NRMA for over 35 years and only ever made one claim, between our private cars and business we have 7 vehicles insured with NRMA and find his ignorance and people skills poor.
Date published: 2015-09-22
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