Am I covered for taxi or cab fares to get home from an accident scene or an assessment booking?

If an incident is your fault:

• Comprehensive Plus: Automatically included
• Comprehensive: Available as an option
• Comprehensive Basics: Not available
• Third Party Fire and Theft: Not available
• Third Party Property Damage: Not available

If the incident is not your fault:

• Comprehensive Plus: Automatically included
• Comprehensive: Automatically included
• Comprehensive Basics: Not available
• Third Party Fire and Theft: Not available
• Third Party Property Damage: Not available

For Classic Car policies

Hire car after an incident is available as an option for new and renewing Classic Car policies. If this option is chosen, a hire car is available after any incident we cover, whether or not the incident is your fault.

For more information, see our Product Disclosure Statement.

Sometimes damage ends up costing less than paying the excess. You can have your vehicle assessed before you decide if you want to go ahead with the claim.

We can help you find a repairer most convenient to you to assess the damage. If you don’t want to continue, you can always withdraw the claim without having to pay any excess.

You can start a claim by calling us on 131 123 anytime, 24/7.

If you have a Comprehensive or Comprehensive Plus policy and there's been loss or damage to your car (as a result of an incident we cover), you're covered for:

• Personal items (up to $1,000)
• Baby capsules and child seats
• Tools of trade (up to $1,500, provided you can show us you've been using your tools to earn income).

If you have a Comprehensive Basics policy, you're covered for baby capsules and child seats, but no other personal items. For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

We can cover you for ridesharing. You'll need to tell us the number of hours you're ridesharing, and pay any extra premium. The maximum is 10 hours per week.

Can other drivers use my car for ridesharing?

Yes, but you may have to pay an additional excess if something happens when they're driving the car.

Also, keep in mind that the maximum time your car can be used for ridesharing is 10 hours per week. This is the combined total for all drivers who use your car.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

Our Comprehensive Basics, Comprehensive and Comprehensive Plus Car policies do not cover charging stations in your home. However, your home charging station may be covered under an NRMA Home Building policy, provided it’s permanently wired in, and suffers loss or damage caused by a covered event during the period of insurance.

The main thing you get with Third Party Property Damage Insurance is ‘liability cover’.

It’s a basic level of cover (all our car insurance policies come with liability cover up to $20 million).

It covers you for damage you cause to other people’s cars or property in an accident.

When we assess your application or claim, we may ask you to get examined by an independent medical specialist or attend rehabilitation.

We'll always try to organise appointments that are close and convenient to your home. If we can't find a suitable provider nearby and you live in a rural or regional area, we'll pay your reasonable medical appointment transport costs.

We'll also organise flights and accommodation for you to attend medical assessments if needed. If there's a medical reason you can't travel alone, we may pay the travel costs for someone to go with you. You'll need to approve this with us first to confirm what expenses we can reimburse you for. We're here to help you find a suitable solution.

To ensure there's disabled access at your medical appointment, please speak to your personal claims manager.