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.
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.
Towing
We cover the reasonable cost to tow your car from the incident to an authorised repairer or a safe place.
Tools of trade
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.
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.
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.
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
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.
New replacement vehicle
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.
Emergency repairs
We cover up to $800 for emergency repairs that you arrange to make your car safe and secure.
Hire car after theft or attempted theft
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
Windscreen and glass damage (excess free)
If you decide to take up windscreen cover, this will include damage to your car windscreen, sunroof or windows with no excess payable.
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.
Hire car after an incident
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.
Vehicle pick up and return for repairs
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…
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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
out of
5 by
5443.
Rated 5 out of
5
by
Scotty 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
Sara W 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
Jackie66 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
R Vee 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
beni 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
Anh Hung from
Excellent Service!
Communication was friendly and repair was done promptly.
Date published: 2016-05-17
Rated 5 out of
5
by
Arts One 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
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