What's included in my cover?

We cover your car for loss or damage caused by collision or crash, up to the agreed or market value of your policy.

We cover your car for loss or damage caused by theft, vandalism or accidental damage, up to the agreed or market value of your policy.

We cover the reasonable cost to tow your car from the incident to a repairer or a safe place.

If an incident we cover causes loss or damage to your car, we'll pay up to $1,500 for your tools of trade. You must be registered for GST and have told us you use your car for business purposes.

We cover your car for loss or damage caused by fire, storm or flood, up to the agreed or market value of your policy.

We cover your car for loss or damage caused by an earthquake, explosion or tsunami, up to the agreed or market value of your policy.

If an incident we cover causes loss or damage to your car, we'll pay up to $500 to repair or replace personal items that get damaged.

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. This is paid on top of your agreed or market value.

New for new replacement, if your car is written off in its first two years.

We cover up to $800 for emergency repairs that you arrange to make your car safe and secure.


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.

Some things that aren't included

  • Personal injury

  • Windscreen and glass damage (excess free)

  • No Claim Bonus Protection

  • Vehicle pick up and return to repairers

Making the most of my policy

What discounts can I get?

With our Loyalty Discount, the more policies you have and the longer you stay with us, the more money you save on your policy.

Is the claims process easy?

Claim in 3 easy steps:

  1. It'll take about 15 minutes to lodge your claim online
  2. We'll need to know a few details about the incident, such as where and when it happened
  3. You can choose a Partner Repairer and book an inspection time

Our webchat team can help with any questions you have.

More awesome benefits

We have flexible excess levels. Choosing a higher basic excess can help reduce your policy price.

24/7 helpline assistance.

Last year 71% of our customers' motor collision repairs took less than 7 days to complete.

24/7 paperless claims service.

We have over 500 Authorised Partner Repairers in our network.

We have over 90 years of experience.

Still have a few questions?
Try our FAQs

We have a Self Service Centre where you can now update the car on your policy.

To register, visit Self Service Centre on our website and follow the prompts.

If you've already registered, log into your Self Service Centre account, view your policy, select 'Edit' and follow the prompts.

You don't have to list each driver on your Car Insurance policy. We cover anyone who drives your car and has your permission.

We'll cover under 25 year old drivers in the event of an at-fault claim, even if they're not listed on the policy. However, it will impact your excess if they (or any driver with less than 2 years driving experience) have an at-fault claim.

If the learner has an accident, your excess will be calculated on the fully licenced driver accompanying the learner. Once they're on their probationary licence, they can be added to the insurance policy. Contact us for more information by calling us on 132 132 or by visiting your local NRMA branch

If you've sold your car and have insurance with us, you should let us know as you may be entitled to a partial refund.

In some cases, additional cancellation fees may apply. To speak to us, call 132 132 or visit your local NRMA branch

When you make a claim, we may ask you to provide documents that help us assess and settle your claim.

Some examples of the types of documents are:

  • Receipts
  • Valuation certificates
  • Credit card or bank statements
  • Photos
  • A police or emergency services report
  • Log books
  • Registration papers

Is there anything else I should know?


Find out what to
do in an accident


Read up on the
detailed info


Premium, Excess and
Discount Guide

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.3 out of 5 by 3186.
Rated 5 out of 5 by from Service was speedy and efficient Immediately after the accident, NRMA organised towing, smash repairs and a hire car during one phone call. Repairs were made in a shorter time than was quoted and I was happy with the repairs.
Date published: 2016-07-10
Rated 1 out of 5 by from Disappointing follow up The accident was very small a large excess was taken out (due to driver being under 25) we were told we would be contacted if the claim was less than the excess so we could opt out of using no claim bonus Received no communication. When I eventually phoned I was told a claim had been lodged which was much less than my excess paid so I asked for it to be refunded so I could settle the claim directly. I then found this was not possible but was told I would have the balance of excess refunded within a week as the repair had been dcompleted already Ihad to phone again over 2 weeks later and then I was paid.i felt if I hadn't chased it up I would not have been reimbursed.
Date published: 2015-10-09
Rated 5 out of 5 by from Great service, Excellent staff. The staff were excellent, very helpful and the whole experience was smooth and easy. They were very helpful when I had to submit a reclaim as well. Overall experience was excellent.
Date published: 2016-05-28
Rated 5 out of 5 by from FAST and EFFICIENT Easy to make a claim, very friendly efficient staff, excellent repairer, excellent service at the NRMA recommended repairer, I will stay with NRMA simply because they are so reliable and efficient.
Date published: 2016-07-02
Rated 5 out of 5 by from Very happy with NRMA. I have six policies with NRMA,and when I recently had my first 'at fault' accident,I was expecting to be given the run-around,with endless interrogation etc. Such was not the case..... I simply notified NRMA,by phone,that I had been involved in an accident and the very helpful lady took all the details that I had.There was no damage to my vehicle,so no repairs,but everything else seems to gave been managed well,as I have had no further communication from the other party,the tow company,or the repairer. NRMA has handled it all. Well done NRMA!
Date published: 2016-04-18
Rated 5 out of 5 by from Excellent service and help. Evelyn, who took my claim, was wonderful and very helpful. Very easy to make a claim and everything was taken care of by NRMA, which I greatly appreciated.
Date published: 2016-08-31
Rated 5 out of 5 by from Professional Service Great to see that the NRMA will pursue this false claim against me. It gives me peace of mind.
Date published: 2016-05-10
Rated 5 out of 5 by from Great service Very professional from the start to the finish both the Insurance claim and the repair.
Date published: 2016-04-12
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