How do I prove that I owned things that have been lost, stolen or damaged?

You don't need to call the police for every incident, however you should call them if:

• You feel unsafe
• The accident is causing a traffic hazard
• You believe alcohol or drugs may be involved

Most importantly, call an ambulance first on 000 if you or anyone else is injured.

NRMA Insurance has partnered with a number of leading retailers and licensed repairers to take the hassle out of you having to obtain quotes.

In most cases you won't need to get quotes but if we need you to we'll contact you to let you know.

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.

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.

Damage caused by your pet is only covered if you selected the Pet Lover's Pack as an optional extra. The Pet Lover's Pack is being phased out, and won't be available as an option when you next renew.

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.

When you make a claim, we may ask you to provide documents that help us assess and settle your claim. Documents can also be used to help us identify correct replacements for you.

Some examples of the types of documents are receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.

Portable Contents cover is an optional cover for items that you take out of the home with you (like jewellery and watches, your mobile phone or sporting equipment). When you add Portable Contents cover, your things are covered if they’re lost, stolen or accidentally damaged anywhere in the world (limits apply).

You can cover your portable contents as part of your Contents Insurance.

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

For more details on Portable Contents cover:

• Talk to us on web chat
• Read the Home and Contents Product Disclosure Statement on policy booklets.