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Car Insurance for P-platers (provisional drivers)

P plates on and ready to go? Whether you’re sporting red or green Ps, our car insurance options are suitable for all drivers, including provisional licence holders. While we don’t offer a specific policy exclusively for P-platers, there’s plenty of choice.

Are P-platers covered under my car insurance policy?

Yes. P-platers can be covered under car insurance, even if they’re unlisted, if they’re authorised to drive the car.

P-platers are newer drivers, so they may attract a higher excess, depending on their age, due to the additional risk younger drivers can face on the road.

You don’t have to list every driver on your policy but adding them can help you avoid paying extra excesses that may apply if an unlisted driver makes a claim.

What car insurance options are available for P-platers?

While we don’t offer a specific policy, P-platers can choose from the same types of car insurance available to any driver, but the right option depends on the level of cover they want.
 

  • Comprehensive insurance offers broad protection covering damage to their own car as well as other vehicles or property.

  • Third Party Property Damage provides cover for damage caused to someone else’s car or property if they’re responsible for the accident.

  • Third Party Fire and Theft offers cover if your car’s damaged by fire or stolen, while still providing protection for damage you cause to someone else’s car or property.

  • Depending on where they live, CTP/Green Slip is a compulsory insurance that covers injuries to people in an accident.
Car Insurance policy options

Choose your level of cover

 Take a look at our car insurance policies to begin your journey.

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You're covered for:

  • Damage to your vehicle and to other vehicles or property

  • Emergency transport and accommodation up to $750

You won't get:

  • New vehicle replacement

  • Cover for personal items

  • Hire car to use after an incident

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Comprehensive Basics Car Insurance is our entry-level comprehensive policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any optional benefits.

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You're covered for:

  • Damage to your vehicle and to other vehicles or property

  • Emergency transport and accommodation up to $1,000

You'll also get:

  • New vehicle replacement

  • Cover for personal items up to $1,000

  • Option to add hire vehicle after an incident and excess-free glass cover

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Comprehensive Car Insurance offers the protection of our Comprehensive Basics cover, plus new vehicle replacement, cover for personal items, and optional benefits like hire vehicle after an incident.

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You're covered for:

  • Damage to your vehicle and to other vehicles or property

  • Emergency transport and accommodation up to $1,500

You'll also get

  • New vehicle replacement

  • Cover for personal items up to $1,000

  • Hire vehicle after an incident and excess-free glass cover

Learn more

Comprehensive Plus Car Insurance is our highest level of comprehensive cover. It’s got all the basics plus optional benefits like no excess for glass damage and hire vehicle after an incident automatically included. It also offers higher value limits for certain areas of cover, like daily car hire limits and taxi fare limits.

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You're covered for:

  • Damage to your car if an uninsured driver causes an accident (up to $5,000)

  • Damage to other cars if you cause an accident

  • Towing to a safe place if an uninsured driver causes an accident

You won't get:

  • Damage to your vehicle if you cause an accident

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Third Party Property Damage Car Insurance covers for damage you cause to other people's cars or property in an accident.

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You're covered for:

  • Fire or theft (up to $10,000)

  • Damage to your car if an uninsured driver causes an accident (up to $5,000)

  • Damage to other cars if you cause an accident

  • Towing to a safe place if an uninsured driver causes an accident

You won't get:

  • Damage to your vehicle if you cause an accident

Learn more

Third Party Fire & Theft Car Insurance covers for your car if it's stolen or catches fire, and covers for other people's cars and property if you cause an accident.

Why choose NRMA for Car Insurance?

Lifetime guarantee

We guarantee the workmanship of all authorised repairs of your car1

Award-winning insurance

You'll be choosing Australia's most trusted insurance brand2

100 years of help

With a century of experience, we know how to protect the things you care about

FAQs

P-Plater Car Insurance FAQs

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Cover can apply whether a P-plater is listed or not. If they’re not listed, an additional excess may apply. Listing them upfront can help ensure a smoother process.

While we don’t offer a specific policy, P-Platers can choose from the same types of car insurance available to any driver, but choosing the right option depends on the level of cover they want.

Comprehensive Insurance offers broad protection covering damage to their own car as well as other vehicles or property.

Learn more about how to choose the right car insurance.

A P-plater driver can be added as an additional driver on an existing comprehensive car insurance policy.

To know exactly what you’re covered for, check your certificate of insurance and the PDS.

Learn more about how car insurance excess works.

Vehicles in some states (including those driven by P-platers) need CTP/Green Slip Insurance, which helps cover injuries caused to people in a motor accident.

Learn more about why you need CTP Insurance.

Make sure to read our policy booklets

They’ll give you the details on limits, conditions, exclusions and more

Product Disclosure Statement
Target Market Determination
Key Facts Sheet

They’ll give you details on limits, conditions, exclusions and more.

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

Things you should know

  1. For as long as you own the car. 

  2. NRMA Insurance was awarded the Roy Morgan Most Trusted General Insurance Brand in 2022, 2023, 2024 and 2025.