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Comprehensive Car Insurance

Get cover for your car against accidental damage, collision or crash, vandalism, theft, fire and severe weather

Buy online to get up to 10% off

Save up to 10% on your first year’s Comprehensive Car Insurance premium with our online discount11

Australia's Most Trusted Insurance Brand, 4 years in a row

Roy Morgan Most Trusted Brand Awards 2022, 2023, 2024 and 2025

Why choose NRMA Comprehensive Car Insurance

With an NRMA Comprehensive Car Insurance policy you could receive a new car replacement if your brand new car’s written off in its first 2 years5.

What is Comprehensive Car Insurance?

Living up to its name, our standard comprehensive policy covers a wide range of insured events like car damage caused by fire, theft, weather and collisions. Accidents happen, so with this policy, you’ll also be covered for damage your car causes to other people's vehicles and property. 

Need flexibility? We can help with that too. Comprehensive comes with the option to add on extras like no excess for glass damage and your choice of repairer. 

This is just a summary of the differences between NRMA car insurance levels of cover. Check our Product Disclosure Statement for specific terms, conditions, limitations and exclusions for each level of cover.

Insurance

What does NRMA Comprehensive Car Insurance cover?

With an NRMA Comprehensive Car Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included.

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Included

Even if someone else drives your car1

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

  • Fire, storm & flood
    We cover your car if it’s damaged by severe weather2.

  • 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).

  • 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)6.

  • Baby seats
    We cover baby capsules and baby seats if they’re stolen or damaged in an accident.

  • Ridesharing
    We cover you if you occasionally drive your car for a ridesharing service like Uber9.

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

  • Hire car after an accident or theft
    We can arrange a hire car or alternative transport if your car’s stolen3, or if it can’t be driven after an accident that’s not your fault4.

  • New replacement car
    If your new car’s written off in its first two years, we try to replace it with a similar new car5.

  • Personal items
    We cover personal items7 in your car if they’re stolen or damaged in an accident (up to $1,000).

  • Tools of trade
    We cover your work tools if they're stolen or damaged in an accident8 (up to $1,500).

  • Your accessories are included
    Accessories and mods like spoilers, alloy wheels and tow bars are automatically included in the sum insured at no extra cost10.

  • Accessibility modifications
    We cover modifications to your car (like hoists, hand controls and wheelchair ramps). On agreed value policies, cover is limited to the agreed value. Call us on 132 132 to include accessibility modifications in your quote.

Cover is different for Comprehensive Plus and Comprehensive Basics. Learn more about the levels, or read the Product Disclosure Statement (PDS).

Not included

There are some things we don’t cover

  • Roadside assistance
    We don’t cover assistance for breakdowns, dead batteries or flat tyres.

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

  • Injuries to you or others
    Injuries are covered by your Compulsory Third Party (CTP) Insurance.

Optional benefits

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).

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

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

Optional benefits are different for Comprehensive Plus and Comprehensive Basics. Learn more about the levels, or read the PDS.

Existing customers

Already have a policy with us?

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Customise your cover

Choose from three levels of Comprehensive cover when you get a quote

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Looking for our highest level of car insurance?

Comprehensive Plus gives you premium cover. Most optional benefits are automatically included – like $0 excess on glass damage claims. You also get higher limits on a hire car after any incident we cover, as well as higher limits on emergency repairs.

Want to simplify your Comprehensive cover?

If you don’t need everything that comes with our standard Comprehensive insurance, Comprehensive Basics could reduce the cost of your premium. You’re still covered for accidents, theft and weather incidents.

Get all the details

Read our policy booklets for a full breakdown of what's included, what’s not included, and much more. 

Product Disclosure Statement
Target Market Determination
Premium, Excess & Discounts Guide

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

Contact us

Want to talk to us about car insurance?

If you have any questions about our car insurance, we’re here to help.

Call 132 132

Looking for a different level of cover?

Take a look at our other car insurance policies.

Our entry-level comprehensive policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any optional benefits. 

Our highest level of comprehensive cover. It’s got all the basics plus optional benefits like no excess for glass damage and hire vehicle after an incident automatically included. It also offers higher value limits for certain areas of cover, like daily car hire limits and taxi fare limits. 

Cover for damage you cause to other people's cars or property in an accident, as well as damage to your car by an uninsured driver. This doesn’t cover fire or theft. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any optional benefits.

Cover for your car if it's stolen or catches fire, as well as cover for damage to other people's cars and property if you cause an accident.

FAQs

Comprehensive Car Insurance FAQs

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What’s the difference between agreed value and market value?

Agreed value means you choose the amount to insure your car for (from a range we give you).

Market value means we’ll work out how much your car is worth at the time you make a claim. To do that, we use things like local market prices, your car’s age, its condition, and any modifications or accessories.

If a learner driver uses my car, do I need to list them on my policy?

You don’t need to list them on your policy unless they’re the registered owner of the car. We cover anyone who drives your car if they’re following the conditions of their licence.

What is excess in car insurance?

An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.

Who repairs my car if it's damaged?

If your car’s damaged and we are satisfied it can be repaired, you can have it fixed by a Partner Repairer.

There are Partner Repairers across Australia and we’ll help find one that's convenient for you.

If you've added the Any repairer option (available with Comprehensive and Comprehensive Plus), when your car’s damaged and we decide it can be repaired, you can choose any licensed repairer to fix it (including a Partner Repairer). If you choose someone other than a Partner Repairer, you might need to manage the repair process yourself. The Any repairer option is not available with Comprehensive Basics.

Do I get a hire car?

With Comprehensive and Comprehensive Plus Insurance policies, we pay for your transport if your car’s stolen or it can’t be driven because of an accident that’s not your fault. Transport includes:

  • Hire car
  • Taxi
  • Ridesharing services
  • Public transport.

We’ll pay up to $75 a day for your transport if you have Comprehensive, and up to $100 a day if you have Comprehensive Plus. We’ll pay for 21 days with Comprehensive or an unlimited number of days with Comprehensive Plus, until your car’s found and repaired, or until your claim is settled (whichever’s first).

With Comprehensive, you can also add an option to get a hire car if yours can’t be driven after any other event we cover (not just theft or an accident caused by another driver). If you add this option, we’ll pay up to $75 a day for your transport for 21 days, until your vehicle’s repaired, or until your claim is settled (whichever’s first). With Comprehensive Plus, the hire car option is automatically included with a daily limit of $100 for an unlimited number of days.

There is no hire car cover or option with Comprehensive Basics.

Does NRMA Insurance cover electric (EV), hybrid and plug-in-hybrid (PHEV) vehicles?

Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.

Stay informed. Get inspired.   

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Need help?

We’re here for you. Call us on 132 132.

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Things you should know

  1. Cover is subject to standard underwriting guidelines and policy terms. Excesses may apply. Refer to your Certificate of Insurance.

  2. 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.

  3. We’ll pay up to $75 a day for your transport or hire car after theft for up to 21 days, until your car is found or repaired, or until your claim is settled (whichever comes first). We don’t cover running costs for the hire car like petrol, tolls or a GPS.

  4. 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 vehicle registration number. We don't cover running costs for the hire car like petrol, tolls or a GPS.

  5. To get a new replacement car with Comprehensive or Comprehensive Plus following an incident we insure, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.

  6. Limit is up to $800 for Comprehensive and Comprehensive Basics, and up to $1,000 for Comprehensive Plus.

  7. We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle. Personal items are not covered by Comprehensive Basics.

  8. Your tools are covered by Comprehensive and Comprehensive Plus if you can show us that you’ve been using your tools to earn income in your current business, and if they’re stolen, that they were locked in your car or a fitted toolbox. Tools are not covered by Comprehensive Basics.

  9. With Comprehensive and Comprehensive Plus, you’re covered for limited hours if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Your average hours a week should be equal to or less than what is shown on your Certificate of Insurance (COI) for this use. Comprehensive Basics covers personal use only.

  10. Modifications, options and Accessories are not covered under Personal Items if those items are damaged in an incident we cover, or are stolen from your vehicle.

  11. See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.