Make a claim
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My car's been stolen. How do I make a claim?

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:

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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.

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The best way to see how to make a claim is to visit nrma.com.au/claims, select your type of policy and follow the steps. You can also call us on 131 123 – we're available 24/7.

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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.

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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.

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You should make a claim as soon as possible, but if you’re unsure get in touch with us.

Most claims can be made at any time, but sometimes you’ll need our approval before incurring certain costs, such as towing, or repairing or replacing damaged property.

In NSW, QLD, ACT or TAS, you can make home and most car claims online by logging in to your account.

If you have a Veteran, Vintage and Classic Car policy, any other type of insurance, or would just prefer to speak with us, call on 131 123 and we'll make your claim for you over the phone, 24 hours a day, 7 days a week.

In SA, WA and the NT you can make a car or home claim online (except for Classic Car policies) by logging in to your account.

For all other types of insurance, or if you’d prefer to speak with us, you can call our 24/7 claims line on 131 123.

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