NRMA Comprehensive Car Insurance

Why Do I Need It?

NRMA Insurance have been protecting Australians and the things they value for over 85 years. Over that time they’ve built a wealth of invaluable knowledge and experience. This helps provide you with great customer service and quality cover, to better protect the things you value.

When Can I Claim?
  • Accidental damage – Collision or crash, vandalism or a malicious act
  • Theft or attempted theft and/or vandalism
  • Environmental damage – Storm, fire, flood, earthquake, explosion, tsunami
What Can I Claim?
  • Baby capsules or child seats
    • Up to $500 each
  • Damage by uninsured driver
    • Up to $5,000 in total for damage to your vehicle
  • Damage to another person’s vehicle and property
    • Up to the value of $20 million
  • Emergency repairs to get you home or to a repairer
    • Up to the value of $800
  • Keylocks & barrels – replace and recode
    • Up to $1,000
  • New for old replacement
    • If your car is written off in its first two years
  • Personal items
    • For all vehicles except motorcycles, up to $500 for certain items. If you have a motorcycle, up to $2,000 for your protective clothing.
  • Storage costs
    • The reasonable costs to store your vehicle
  • Temporary Insurance Cover
    • 14 days cover when you change vehicles
  • Severe weather damage
    • Storm, fire, flood, earthquake, explosion, tsunami
  • Tools of trade for business use vehicles
    • up to value of $1,500 for certain items
  • Towing
    • The reasonable cost of one tow
  • Trailer or caravan damage
    • Up to $1,000
  • Windscreen, sunroof and window glass damage
    • Cost to repair or replace your windscreen, sunroof or window glass

For theft or attempted theft…

  • Car hire costs of up to $65/day for 21 days
What Else Can I Cover Myself For NRMA?

Comprehensive Plus Car Insurance covers everything that their Comprehensive Car Insurance covers, plus:

  • Hire car up to $95 a day until your car is repaired or your claim is settled
  • Excess-free windscreen, sunroof and window glass damage
  • Taxi fares
  • Vehicle pick up and return

Optional extras you can add to your policy to increase your cover include:

  • Hire car: $65/day for 14 days
  • Windscreen: repair or replace your vehicle’s windscreen, sunroof, or window glass without paying the basic excess
  • No Claim Bonus Protection: your No Claim Bonus won’t change for the first claim you make in a policy year, even if you’re the driver who caused the incident
  • If you drive for a ridesharing service like UberX, this is included in your cover for only $2/day
Why Is NRMA Different?

Depending on your priorities we can recommend NRMA policies that:

  • Only start from $1.60/day
  • Offer 24/7 paperless claims service
  • Provide you with your choice of repairer
  • Provide a lifetime guarantee on repairs

NRMA have a 24 hour Claims line to offer a simpler way to make a claim, so that you’re back on your feet as quickly as possible.

Get a Quote

Happy customer

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Comprehensive Car Insurance Comparison Table

NRMA NRMA Comprehensive + AMMI CGU QBE Budget Direct Just Car Allianz
Colision or Crash
24/7 Roadside Assist Optional ($7/mth) Optional  $89/year
Baby Capsules and child seats (up to this amount)
$500

$500

Replacement cost

$500

$500
Damage by uninsured drivers
$5,000

$5,000

Conditional
Damage to other people’s vehicles or property (value) $20 million $20 million $20 million $30 million As awarded $20 million $20 million $20 million
Emergency repairs to get you home or to a repairer $800 $800 $500 $500 $500 $500
Emergency travel and accommodation if you are more than 100km from home and your car is not safe to drive $500 $500 $1,050 $850 $750
Fatality Cover (up to this amount)
$5,000

$2,500

$5,000

$25,000
Hire car until claim is settled unless otherwise stated Optional – $95/day $95/day Optional (similar value to your car) Optional (14 days) Optional Optional
Keylocks & barrels – replace and recode
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
Legal costs for a coronial inquiry (up to this amount)
$5,000
All legal costs
Modifications, options and accessories
Unlimited

Unlimited
New for old replacement (up to age of car)
2 years old

2 years old

2 years old

3 years old

4 years old, 100,000km

2 years old, 40,000km

2 years old
No claim bonus protection Optional
Optional
Optional
Conditional

1 claim/yr

1 claim/yr
No excess windscreen cover Optional Optional Optional Optional Optional Optional
Over 50s discount
Personal items
$500

$500

$500

$500

$500

$500

$750
Remove accident debris from the road (up to the value of this cost)
$500
Repair lifetime guarantee
Storage costs
Taxi service
Third party property insurance over your substitute car
14 days
Tools of trade (business use vehicles) $1,500 $1,500 Optional
Towing
Trailer. Towing a trailer or caravan? (Covered up to the value of this cost)
$1,000

$1,000

$1,000

$1,000

$1,000

$1,000
UberX driver? Optional ($2/day) Optional ($2/day) Optional
Vehicle pick up and return
$500

$500
We pick the repairer
Weather Storm, fire, flood, earthquake, explosion, tsunami Storm, fire, flood, earthquake, explosion, tsunami Hail, storm, flood, fire Fire, flood, storm
Windscreen, sunroof and window glass damage
Theft
Hire car $65/day up to 21 days $65/day up to 21 days
14 days

14 days

14 days

21 days