What does my Comprehensive Car Insurance cover?

Included

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.

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.

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

If an incident we cover causes loss or damage to your car, and your tools of trade get damaged, we’ll pay up to $1,500. You must be registered for GST and have told us that 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 as stated on your policy.

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.

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.

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

If your car is written off within the first two years from when it was registered, we’ll replace it with a new car of the same make, model, engine size, equipment level and paint type if it’s available in Australia.

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

If theft or attempted theft causes loss or damage to your car, this is included as standard for up to $75 per day (up to 21 days).

If a collision or crash causes loss or damage to your car, you're not at fault and you can provide the name and residential address of the at fault driver.

We'll arrange for an NRMA Partner Repairer to fix your vehicle.

Not included

If you decide to take up the windscreen cover option, you won't need to pay an excess when you make a claim for damage to your car's windscreen, sunroof or windows.

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.

If you decide to take up the hire car option, this will include up to $75 a day (up to 14 days) after an incident we cover causes loss or damage to your car.

If you decide to take up our premium cover, we'll cover you for the pickup and return of your car to your home or work.

Roadside assistance can be purchased from the NRMA

Compulsory Third Party (CTP) Insurance covers people injured in a car accident, and can be purchased from our CTP Insurance page

If you decide to take up the 'Any Repairer' option, you can choose your own repairer to fix your car.

This option applies to policies taken out from 24 September or with a renewal date from 6 November 2017.

Options you can add

 

Choose options you wish to add 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.

Here are some more awesome benefits…

Loyalty Discount

Our Loyalty Discount rewards you for having multiple policies with us and for the length of time you keep them. The more policies you have, the more you may save!

Easy claims process

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 web chat team can help with any questions you have through Self Service Centre

Convenience and flexibility

  • Choose your basic excess level to help reduce your premium
  • 24/7 helpline assistance for fast support
  • Submit an online claim any time, day or night
  • Select from over 500 authorised repairers
  • Last year 71% of our customers’ motor collision repairs took less than 7 days to complete
  • Rest easy knowing we have over 90 years insurance experience

Still have a few questions?
Try our FAQs

Need more info?

 

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 4.3 out of 5 by 5704.
Rated 5 out of 5 by 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 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 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 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 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 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
Rated 5 out of 5 by from Very easy to claim The repairs done were very good and done in about 9 days
Date published: 2016-09-24
Rated 5 out of 5 by from EXCELLENT AND CARING CUSTOMER SERVICE From the time I first rang to lodge my claim to the time I picked up my repaired vehicle I was treated with respect and consideration. All aspects of the claim were handled extremely well.
Date published: 2016-09-22
  • y_2017, m_10, d_18, h_3
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.3
  • cp_1, bvpage1
  • co_hasreviews, tv_1996, tr_3708
  • loc_en_AU, sid_NRMA_CLAIM_CRCP_COLL, prod, sort_[SortEntry(order=HELPFULNESS, direction=DESCENDING), SortEntry(order=POSITIVE_FEEDBACK, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_nrma
  • bvseo_sdk, p_sdk, 3.1.0
  • CLOUD, getContent, 16.58ms
  • REVIEWS, PRODUCT