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 car1
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 weather2.
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 fault3.
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 car4.
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).
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 that’s your fault without reducing your No Claim Bonus8.
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
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Have a car insurance question? We can help
What’s the difference between agreed value and market value?
You can cover your car for agreed value or market value when you get your insurance.
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’s 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 extras.
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, even if they’re not listed.
Who repairs my car if it's damaged?
If your car’s damaged and we decide 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, 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.
Do I get a hire car?
With Comprehensive Insurance, we pay for a hire car if your car’s stolen or it can’t be driven because of an accident that’s not your fault.
If your car’s stolen, we’ll pay up to $75 a day for a hire car. We’ll pay for 21 days, until your car’s found and repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).
If you’re in an accident caused by another driver, you need to be able to give us their name and address and we need to agree it’s their fault. We’ll pay for a hire car until your car’s repaired or we pay your claim as a ‘total loss’.
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 a hire car for 14 days, until your vehicle’s repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).
I'm going overseas, how do I get an International Driving Permit?
Apply online with NRMA* and your International Driving Permit can be sent to you within five business days.
If you’re going overseas in less than five days, you can apply in person at a participating branch.
Things you should know
Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25 or with less than 2 years’ driving experience.
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.
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.
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.
We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle.
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.
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.
You can add No Claim Bonus protection if we offer you a 60% No Claim Bonus. The first claim you make between the start of your policy and your first renewal notice (for a new policy), or between your last renewal notice and your next one won’t affect your No Claim Bonus. You can find the date of your renewal notice on the bottom of your renewal notice. This may be different to your policy period start date as shown on your Certificate of Insurance. We calculate your No Claim Bonus based on your claims history and how long you’ve been driving (including any other policy holders). 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.
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. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
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If you need help, you can talk to us. Call 132 132 (7am–10pm)