What does my Comprehensive Car Insurance cover?


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 $65 per day (up to 21 days).

Not included

If you decide to take up windscreen cover, this will include damage to your car windscreen, sunroof or windows with no excess payable.

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 hire car, this will include up to $65 per day (up to 14 days) until your car is repaired after an incident or your claim is settled. 

Covers the pickup and return of your car to your location when repairs are needed.

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

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.

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?
Check out 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

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 3901.
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 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
Date published: 2016-05-01
Rated 5 out of 5 by from Comforting and reasuring. Car was written off but the whole process was made so much easier by all those that organised taxi and tow truck and every step in the process. Extensive conversations with several people and all very caring and comforting.
Date published: 2016-04-04
Rated 5 out of 5 by from great friendly service very efficient service that went very smoothly .. service man was very knowledgeable
Date published: 2016-01-30
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