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 product 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 car hire up to $95 per day until your vehicle is repaired after an incident or your claim is settled.

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 $95 per day until your car is repaired or your claim is settled
  • Hire car excess and bonds up to $3,000
  • New for old 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 $95 per 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 on repairs we authorise
  • 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

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 3475.
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 Great service Very professional from the start to the finish both the Insurance claim and the repair.
Date published: 2016-04-12
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
Rated 1 out of 5 by from Not Treated Well, Bad Advice About Hire Car Option My accident happened mid December - I was not at fault. I was told none of your approved reapirers could even look at the car unti end of Jan. I was told I did not have the hire car option and even though I was not at fault I would be without a car. I have 3 young children, start of school holidays and this is our only car so I was under pressure to get the repairs done quickly. I chose a non approved repairer who could do the work straight away. Apparently that places me in the position of having to inspect the repairs myself (what do I know about that) and you won't gurantee the work. The next day 3 different peple told me about Right2Drive - I contacted them and within 2 days they gave me a replacement like for like 5 seat SUV at no cost to me. They will pursue the other insurance company (which is also NRMA) to cover the costs. My point is - why didn't you help me organise a hire car to the same extent that Right2Drive were able to help me with and then that wouldn't have put me in the lesser position of having to go with a non approved repairer?
Date published: 2017-01-19
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