Comprehensive Car Insurance

Our most popular cover protects your car for accident damage, theft, severe weather, and more

Comprehensive Car Insurance

What's included

For you and everyone who drives your car

Accidents

We cover your car in an accident, plus other cars and property if it's your fault.

Theft & vandalism

We cover your car if it’s stolen, vandalised, or damaged by someone trying to steal it.

Fire, storm & flood

We cover your car if it’s damaged by severe weather1.

Hire car after an accident or theft

We can arrange a hire car if your car’s stolen, or if it can’t be driven after an accident that’s not your fault2.

Towing

We pay for towing to a repairer or safe place if your car can’t be driven after an event we cover (like an accident).

New replacement car

If your new car’s written off in its first two years, we try to replace it with a similar new car3.

Emergency repairs

We pay for repairs you need to make after an event we cover so your car’s secure and safe to drive (up to $800).

Personal items

We cover personal items4 in your car if they’re stolen or damaged in an accident (up to $1,000).

Baby seats

We cover baby capsules and baby seats if they’re stolen or damaged in an accident (up to $500).

Tools of trade

We cover your work tools if someone breaks into your car or locked toolbox5 (up to $1,500).

Ridesharing

We cover you if you occasionally drive your car for a ridesharing service like Uber6.

Your extras are included

Extras and mods like spoilers, alloy wheels and tow bars are automatically covered at no extra cost.

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Optional extras

Add these when you get a quote

No excess for glass damage

Add an option to avoid paying an excess when you claim for glass damage only (like to your windscreen or windows).

Hire car after any incident we cover

Add an option to get a hire car if your car can’t be driven after any incident we cover.

No Claim Bonus protection

Add an option so you can make one claim per year that’s your fault without reducing your No Claim Bonus7.

Choose any repairer

Add an option to pick any licensed repairer to fix your car, including NRMA Partner Repairers.


Not included

There are some things we don’t cover

Roadside assistance

Get 24/7 help with breakdowns, batteries and more from NRMA*.

Injuries to you or others

Injuries are covered by your mandatory CTP Green Slip.

Hire car running costs

We don’t cover costs for your hire car like petrol, tolls or a GPS.


Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Want more cover for your car?

We have over 90 years’ experience helping Australians protect the things they care about

Our Partner Repairers’ workmanship is backed by a lifetime guarantee

Get a No Claim Bonus of up to 60% on a new policy, and a Loyalty Discount up to 25%

It only takes 10 minutes to claim online and find your repairer

Have a car insurance question? We can help

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Things you should know

  1. We may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). We’ll tell you if there’s an embargo when you purchase your policy.

  2. We’ll pay for a hire car after an accident if we agree it was the other driver’s fault and you have their name, address and rego number.

  3. To get a new replacement car, your car must weigh under 2.5 tonnes and it must have been a new or demonstrator vehicle when you bought it.

  4. We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle.

  5. Your tools are covered if you’ve told us you’re using your car for your business, you’re registered for GST and you’re entitled to claim an input tax credit.

  6. You’re covered if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Only owners listed on the policy are covered when using the car for ridesharing.

  7. You can add No Claim Bonus protection if we offer you a 60% No Claim Bonus. We calculate your No Claim Bonus based on your claims history and how long you’ve been driving (including any other policyholders).

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If you need help, you can talk to us. Call 132 132 (7am–10pm)