Does cover differ between EV and petrol-powered cars?

Yes. As long as it meets our standard acceptance criteria, you can cover your electric motorcycle under our motorcycle policies.

Our Comprehensive Basics, Comprehensive and Comprehensive Plus Car policies cover your battery for loss or damage caused by a covered incident (such as fire, collision, crash, theft, attempted theft or storm). However, mechanical, structural, electrical, hydraulic or electronic breakdown or failure are not covered under our policies.

For example, if your battery is damaged due to a collision or crash it may be covered. However, we don’t cover your battery if it breaks down due to wear and tear.

If you’re eligible for a hire vehicle after a covered incident and take up this option, we’ll arrange the hire vehicle through one of our preferred suppliers. This may not be an EV, hybrid or PHEV vehicle.

Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.

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 charging cable that comes with your car from the manufacturer is considered to be part of the vehicle. This means it’s covered by our Comprehensive Basics, Comprehensive and Comprehensive Plus Car policies, for loss or damage caused by a covered event.

Whether you have an electric vehicle (EV), hybrid or plug-in-hybrid vehicle (PHEV) vehicle, we can cover your vehicle for loss or damage caused by a covered event with our comprehensive car and motorcycle policies.

If you’ve chosen an Agreed Value policy, this value is the amount we agree to insure your vehicle for that is shown on your Certificate of Insurance. If you’ve chosen a Market Value policy, then we assess the value of your vehicle immediately prior to the incident you are claiming for (or at the time of any claim under the 'Lifetime repair guarantee' additional benefit), using local market prices and considering your vehicle’s age and condition. Both agreed and market values include any modifications, options or accessories to your vehicle, along with GST, registration and any compulsory third party insurance and other on-road costs.