Are contents in my car covered if my car is stolen or they're damaged in an accident?

This depends on the types of items that you're claiming for.

Contents items such as electrical items generally are referred to a specialist supplier that can assist in the replacement process.

We can also sometimes choose to settle you with a store credit or cash settlement and where possible, repair or restore content items.

If you have Comprehensive cover (including Comprehensive Plus and Comprehensive Basics), and the incident you're claiming for is covered under your policy, you can claim taxi fares or rideshare service fees for getting home from an accident, or getting to and from your repairer or hire car provider.

Depending on your level of cover, you can claim these costs of:

• Up to $250 if you have Comprehensive Plus
• Up to $150 if you have Comprehensive
• Up to $75 if you have Comprehensive Basics.

If you are more than 100kms from home and your car can’t be driven after an incident we cover, we’ll cover the costs of emergency transport and accommodation:

• Up to $1,500 if you have Comprehensive Plus
• Up to $1,000 if you have Comprehensive
• Up to $750 if you have Comprehensive Basics or Third Party Fire & Theft.

To make sure you’re covered, let us know before arranging your transport and/or emergency accommodation.

For more information, see our Product Disclosure Statement.

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.

If your contents are lost or damaged as a result of an event we have agreed to cover, you'll be covered up to $1,000.

You can also opt to increase your contents cover. If you choose to increase your contents cover above $1,500, the most we'll pay for a single item is $1,500.

The contents we cover must be used solely in your boat, and includes:

• Household items and appliances
• Portable navigation equipment
• Driving equipment (while not in use)
• Fishing equipment (while not in use)
• Waterskiing equipment (while not in use).

Contents we don't cover include:

• Portable electronic items and accessories, phones and cameras
• Cash, jewellery, watches and personal effects
• Fuel
• Food, Drinks, Medicines or Bait
• Sporting equipment such as sailboards and surfboards
• Contents solely used on your boat tender.

If your claim is for theft, attempted theft, or vandalism, you won't be covered if your items were not in a lockable cabin or compartment at the time of the incident, or if there was no proof of forced entry into the locked cabin/compartment.

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.

For more information about contents cover, read the Product Disclosure Statement (PDS).

We may ask you to provide information to help us process your claim, such as:

• Purchase receipts
• Photos of the damage
• Credit cards or bank statements

You can upload any documents or information online using your account.

If you experience an accident or illness that prevents you from earning an income, our Personal Accident and Illness cover can provide you with a weekly benefit to offset this loss of income.

We also provide an option for compensation (lump sum benefits) if certain specified permanent injuries occur, for example if you permanently lose your hearing or sight.

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for each category below.

• Works of art
• Music, games and movies
• Collections
• Jewellery and watches

Under valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.

Portable contents are items that you or your family own that you can take outside of your home.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

If your car’s been stolen, or someone has tried to steal or damage it, you should report the incident to the police before starting your claim.

The police will give you an incident report number, which you’ll need to make your claim.

After you’ve reported the incident, the quickest way to start your claim is by opening the NRMA Insurance app or logging into your account. If you need help with your claim, you can call 131 123.

If you have a Classic Car policy, call 131 123.

Don't have the app?

If you don’t have the app, you can:

• Download on the App Store, or
• Get it on Google Play.

Accidental Damage Cover is an option you can choose when you get a home insurance quote. It covers things like:

• Your child accidentally knocked your TV over and broke the screen
• You were up in your roof and accidentally put your foot through the ceiling.

You can choose Accidental Damage Cover for your building, your contents or both. It's automatically included in Building Plus and Contents Plus policies.

For more information on Accidental Damage Cover, read our Product Disclosure Statement or call us on 132 132.

You're covered even if you forget to lock your door or window. So, if your home is burgled while you're out, we've got you covered.

Read the Product Disclosure Statement (PDS) on our policy booklets page for more information.

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.