Comprehensive Plus Car Insurance

Our highest level of car insurance

NRMA Comprehensive Plus Car Insurance gives you all the protection of our Comprehensive Car Insurance with additional benefits such as excess-free windscreen, sunroof and glass cover.

What's more, with NRMA Comprehensive Plus, you're never without a car. That's because we offer you the convenience of a hire car up to $100 a day until your vehicle is repaired after an incident or your claim is settled. To find out more, including when daily hire car limits don't apply, please refer to the Product Disclosure Statement (PDS)

Do you drive for a ridesharing service like UberX?

We're making ridesharing insurance easy by including it in our car insurance products.

  • Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing
  • Existing customers, please call us on 132 132 so we can update your policy

What's covered?

  • Collision or crash
  • Accidental damage
  • Theft or attempted theft
  • Vandalism or a malicious act
  • Vehicle pick and return
  • Storm
  • Fire
  • Flood
  • Earthquake
  • Explosion
  • Tsunami
  • Automatic cover for modifications, options and accessories
  • Windscreen, sunroof and glass replacement
  • Emergency repairs up to $800
  • Car hire up to $100 a day until your car is repaired or your claim is settled
  • Hire car excess and bonds up to $3,000
  • New replacement if your car is written off in its first 2 years
  • Taxi fares up to $250 to get you home from an accident or to and from your repairer
  • Damage to someone else's car or property up to $20 million
  • Tools of trade up to $1,500 (business use vehicles)
  • Towing

Important documents

Download the Product Disclosure Statement (PDS) and policy booklet

Download the Premium Excess and Discount Guide (PED)

*Additional excess applies to drivers under 25 or with less than 2 years' driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products.

**On agreed value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.

Get a quote

Make a claim

Retrieve a quote

Why choose NRMA Insurance?

  • You're never without a car
  • We cover anyone who drives your car*
  • Car hire up to $100 a day until your car is repaired or your claim is settled
  • Taxi fares up to $250 to get you home from an accident or to and from your repairer
  • Automatic cover for modifications, options and accessories**     
  • With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save
  • Lifetime guarantee for the workmanship of all authorised repairs, for as long as you own the car
  • Flexible excess levels to help reduce your premium
  • 24/7 Helpline assistance
  • Experience – we've been insuring Australians for over 90 years
  • No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

 Frequently Asked Questions

NSW Emergency Services Levy (ESL)

The NSW Government announced it's delaying changes to the ESL. With changes now on hold, we've reintroduced ESL on insurance policies.

Learn more

Teaching your teen to drive

Teaching your teen to drive

Great road trips for driver experience, learn more on The Hub

Great road trips for driver experience
Help get your teen driver’s hours up and enjoy the ride! Learn more on The Hub

Help your learner driver prepare for and pass their driving test, learn more on The Hub

Help your learner driver prepare for and pass their driving test
Tips from an expert. Find out more on The Hub

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.3 out of 5 by 8111.
Rated 5 out of 5 by from very good service very satisfied with my repairs and my refund was promptly processed and received
Date published: 2016-06-10
Rated 1 out of 5 by from Great excuse to get fit Thanks for taking more than 3 months to fix a small ding in the back of my car. Its given me lots of opportunity to walk everywhere and meet lots of interesting people on public transport.
Date published: 2016-05-20
Rated 5 out of 5 by from Great service I am very happy with my repairs.They did an excellent job.
Date published: 2016-05-20
Rated 1 out of 5 by from Absolutely disgusting Nrma insisted I was not at fault and they drag this on for 12 months to save their own financial invests(to avoid a payout to third party) , then when up cane to crunch time they didn't want to go to court and instead demanded I take responsibility. Nrma simply looked out for nrma and stuffed me around in the process. Absolutely disgusting. Had to get FOS involved. Nrma were difficult and argumentative.
Date published: 2016-01-22
Rated 5 out of 5 by from Great Courtesy. Great service. Granting "go ahead" to carry out the repair job was quick.
Date published: 2016-06-19
Rated 5 out of 5 by from Excellent service As per quoted time excellent work pleasant employees.
Date published: 2016-03-22
Rated 3 out of 5 by from Service was great once car was actually in for rep Happy with work carried out, not happy with the assessors assumptions, yes I hit a Kangaroo and at the time the damage was assessed but 2 weeks late the drivers mirror falls off where the kangaroo fell after the collision, he declined that the mirror would be replaced in this claim, HOW CAN HE SAY THAT THE KANGAROO DID NOT CAUSE A FRACTURE AND THE MIRROR TO FALL OFF, mirrors don't just fall off without a reason. My wife and I have been insured with NRMA for over 35 years and only ever made one claim, between our private cars and business we have 7 vehicles insured with NRMA and find his ignorance and people skills poor.
Date published: 2015-09-22
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
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