What is Accidental Damage Cover?

If you have Home Building, Home Contents or Home Building and Contents, you can choose to cover the burnout of your electric motors (as part of your Building and/or Contents) that are up to 15 years old, so long as they are not used in your business or covered by a warranty.

If you have Home Buildings Plus or Home Contents Plus insurance, electrical motor burnout is automatically included.

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.

To learn more about what you're covered for, read the Product Disclosure Statement (PDS) on our policy booklets page.

Yes, you’re covered if your tenant or their guest vandalises your property or intentionally causes loss or damage.

You and your tenant must have a valid rental agreement. Your policy doesn't cover damage resulting from wear and tear. For more information, please refer to the Product Disclosure Statement.

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.

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.

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.

We cover damage caused by water leaking or escaping from:

• House gutters
• Pipes and drainpipes
• Baths and toilets
• Appliances (such as washing machines and dishwashers)
• Aquariums
• Water tanks
• Swimming pools.

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

Yes, you're covered under Home Buildings Insurance for the reasonable costs of temporary accommodation for you, your family and your pets if we agree you can't live in your home.

If you're a tenant and have a Home Contents policy with us, we'll cover reasonable extra rent costs for your temporary accommodation.