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
10089.
Rated 5 out of
5
by
KevinR from
Great service
My repairs were completed ahead of schedule. Standard of workmanship met my high expectations. .
Date published: 2016-06-09
Rated 5 out of
5
by
Puddles from
Great service
Windscreen replacement of cracked window on our bt50
Date published: 2016-02-15
Rated 1 out of
5
by
Anonymous from
Hopeless, false, pathetic, incompetent
Took 20+ days for NRMA to respond to our claim. Claims & Customer Service provided conflicting information as if no one had any idea of policies or procedures. Failed to respond to emails, phone calls, webchats or facebook contact
Date published: 2018-11-12
Rated 1 out of
5
by
Unhappy from
Terrible client focus
A simple repair turned into a debate about damage done to my car while in the shop. Efforts were made but weeks on the matter is unresolved and commitments are yet again being missed.
Date published: 2018-07-19
Rated 5 out of
5
by
KarenOrr2 from
Great service - cannot fault
Ok - this isn't the first time I have dealt with NRMA and I have to say each time they where right there to help me.
Insurance premiums cheaper and personal contact FAR superior than any other insurance company we have dealt with. I'm only sorry I haven't any photos to show.
Date published: 2016-05-04
Rated 1 out of
5
by
Steven from
I have emailed motorclaims@nrma.com.au with compla
I have emailed motorclaims@nrma.com.au with complaints about the treatment I got from the repairer and have not received any reply after a week
Date published: 2018-08-27
Rated 5 out of
5
by
Goldchip1 from
Great coverage
Hi. my claim was from a wind gust at approx. 125kms p/h that pressure smashed my back cab window while I was loading it , in turn sending shreds of glass across the sides and roof of my Hilux to which the shreds of glass cut down in to the base metal on multiple area's of my truck of my Hilux's back , roof and sides.
I'm just so glad no one was standing down wind of the Hilux as they would of been severely facially disfigures and cut to pieces . This incident still haunts me mentally :-(((
Date published: 2017-02-19
Rated 1 out of
5
by
oldlou54 from
hail damage in the country
It seems that living in a country area and claiming for hail damage is not an easy claim for NRMA. After many phone calls it seems all hail damage claims have to be assessed and repaired by selected repairers who live a long way away. We were told to drive three hours for an assessment and then once the damage was assessed the car would be taken away for an extended period. The inconvenience and poor communication that followed continued for 10 months and in utter frustration we took a cash payment to go find our own repairer. The cash payment will not cover the damage which has been worsened by the time waiting for repair. Be warned if you live in a rural or coastal town hail damage is not an easy claim.
Date published: 2017-01-10