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 4.2 out of 5 by 10089.
Rated 5 out of 5 by from Great service My repairs were completed ahead of schedule. Standard of workmanship met my high expectations. .
Date published: 2016-06-09
Rated 5 out of 5 by from Great service Windscreen replacement of cracked window on our bt50
Date published: 2016-02-15
Rated 1 out of 5 by from Hopeless, false, pathetic, incompetent Took 20+ days for NRMA to respond to our claim. Claims & Customer Service provided conflicting information as if no one had any idea of policies or procedures. Failed to respond to emails, phone calls, webchats or facebook contact
Date published: 2018-11-12
Rated 1 out of 5 by from Terrible client focus A simple repair turned into a debate about damage done to my car while in the shop. Efforts were made but weeks on the matter is unresolved and commitments are yet again being missed.
Date published: 2018-07-19
Rated 5 out of 5 by from Great service - cannot fault Ok - this isn't the first time I have dealt with NRMA and I have to say each time they where right there to help me. Insurance premiums cheaper and personal contact FAR superior than any other insurance company we have dealt with. I'm only sorry I haven't any photos to show.
Date published: 2016-05-04
Rated 1 out of 5 by from I have emailed motorclaims@nrma.com.au with compla I have emailed motorclaims@nrma.com.au with complaints about the treatment I got from the repairer and have not received any reply after a week
Date published: 2018-08-27
Rated 5 out of 5 by from Great coverage Hi. my claim was from a wind gust at approx. 125kms p/h that pressure smashed my back cab window while I was loading it , in turn sending shreds of glass across the sides and roof of my Hilux to which the shreds of glass cut down in to the base metal on multiple area's of my truck of my Hilux's back , roof and sides. I'm just so glad no one was standing down wind of the Hilux as they would of been severely facially disfigures and cut to pieces . This incident still haunts me mentally :-(((
Date published: 2017-02-19
Rated 1 out of 5 by from hail damage in the country It seems that living in a country area and claiming for hail damage is not an easy claim for NRMA. After many phone calls it seems all hail damage claims have to be assessed and repaired by selected repairers who live a long way away. We were told to drive three hours for an assessment and then once the damage was assessed the car would be taken away for an extended period. The inconvenience and poor communication that followed continued for 10 months and in utter frustration we took a cash payment to go find our own repairer. The cash payment will not cover the damage which has been worsened by the time waiting for repair. Be warned if you live in a rural or coastal town hail damage is not an easy claim.
Date published: 2017-01-10
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