Comprehensive Plus Car Insurance

Premium cover with all the protection of Comprehensive, plus more

Comprehensive Plus Car Insurance

What is Comprehensive Plus?

It’s our highest level of cover, with all the protection of Comprehensive Car Insurance, plus extras to enhance your cover.

Like Comprehensive Car Insurance, we cover your car for incidents like storms, theft and accident damage.

But Comprehensive Plus gives you extras like:

  • A hire car if your car can’t be driven after any incident we cover, even if you cause an accident
  • No excess to pay for glass damage repairs
  • Taxi fares (up to $250) to get you home if your car can’t be driven after an accident we cover.

What’s included

For you and everyone who drives your car 1

Accidents

We cover your car in an accident, plus other cars and property if it’s your fault.

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.

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.

We cover your car if it’s damaged by severe weather2.

Hire car after any incident we cover

We can arrange a hire car if your car’s stolen, if it can’t be driven after an accident that’s not your fault, or after any incident we cover3.

We can arrange a hire car if your car’s stolen, if it can’t be driven after an accident that’s not your fault, or after any incident we cover3.

No excess for glass damage

There’s no excess when you claim for glass damage only (like to your windscreen or windows).

There’s no excess when you claim for glass damage only (like to your windscreen or windows).

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).

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.

If your new car’s written off in its first two years, we try to replace it with a similar new car4.

Emergency repairs

We pay for repairs you need to make after an event we cover so your car’s secure and safe to drive (up to $800).

We pay for repairs you need to make after an event we cover so your car’s secure and safe to drive (up to $800).

Personal items

We cover personal items5 in your car if they’re stolen or damaged in an accident (up to $1,000).

We cover personal items5 in your car if they’re stolen or damaged in an accident (up to $1,000).

Taxi fare

We cover the cost of a taxi to get you home if your car can’t be driven after an accident we cover (up to $250).

We cover the cost of a taxi to get you home if your car can’t be driven after an accident we cover (up to $250).

Baby seats

We cover baby capsules and baby seats if they’re lost or damaged in an incident we cover (up to $500).

We cover baby capsules and baby seats if they’re lost or damaged in an incident we cover (up to $500).

Tools of trade

We cover your work tools if someone breaks into your car or locked toolbox6 (up to $1,500).

We cover your work tools if someone breaks into your car or locked toolbox6 (up to $1,500).

Ridesharing

We cover you if you occasionally drive your car for a ridesharing service like Uber7.

We cover you if you occasionally drive your car for a ridesharing service like Uber7.

Your extras are included

Extras and mods like spoilers, alloy wheels and tow bars are automatically covered at no extra cost.

Extras and mods like spoilers, alloy wheels and tow bars are automatically covered at no extra cost.

Accessibility modifications

We cover modifications to your car (like hoists, hand controls and wheelchair ramps). On agreed value policies, cover is limited to the agreed value. Call us on 132 132 to include accessibility modifications in your quote.

We cover modifications to your car (like hoists, hand controls and wheelchair ramps). On agreed value policies, cover is limited to the agreed value. Call us on 132 132 to include accessibility modifications in your quote.

See more

Optional extras

Add these when you get a quote

No Claim Bonus protection

Add an option so you can make one claim that’s your fault without reducing your No Claim Bonus8.

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.

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*.

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.

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.

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

Looking for a Green Slip to register your car?

We have over 90 years’ experience helping Australians protect their cars

Our Partner Repairers’ workmanship is backed by a lifetime guarantee

It only takes 10 minutes to claim online and find your repairer

Get a No Claim Bonus of up to 60% on a new policy, and a Loyalty Discount up to 25%9

Have a question? We can help

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.

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.

If your car’s damaged and we decide it can be repaired, you can have it fixed by a Partner Repairer.

There are more than 400 Partner Repairers across Australia and we’ll help find one that's convenient for you. We’ll manage the repair process with them so you don’t have to worry.

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.

With Comprehensive Plus Insurance we pay for a hire car if your car can’t be driven after any covered event.

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’.

If your car’s stolen, we’ll pay up to $100 a day for a hire car. We’ll pay until your car’s found and repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).

If your car can’t be driven after any other event we cover, we’ll pay up to $100 a day for a hire car, until your vehicle’s repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).

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

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle.

  6. 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.

  7. 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.

  8. 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 policyholders). 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.

  9. 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)