Comprehensive Car Insurance
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Monthly premiums
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Yes
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Choice of repairer
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Optional Extra
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Choice of excess
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$0 - $2,000
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Agreed or market value
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Agreed or Market
Available discounts
- Multi-policy discount when you have 2 or more eligible products with NRMA
- Up to 10% off on your first year's premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.
- Monthly premiums available
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Yes
- Choice of repairer
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Optional Extra
- Choice of excess
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$0 - $2,000
- Agreed or market value
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Agreed or Market
- Discounts available
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Multi-policy discount when you have 2 or more eligible products with NRMA|Up to 10% off on your first years premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.
- Quote time
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-
- States where offered
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SA TAS NSW ACT QLD WA
- Roadside assistance
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-
- Genuine parts
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Yes - If car is under 3 years old.
- New car if written off
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Yes - within 2 years of original registration
- Windscreen cover
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Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
- Personal property cover
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Up to $500 if damaged or stolen.
- Replacement key cover
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Up to $1,000 if stolen.
- Baby capsule or child seat cover
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Yes
- Trailer or caravan cover
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Up to $1,000 excluding contents.
- Modifications
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Automatically covered
- Emergency repairs
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Up to $800
- Emergency options
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Reasonable cost of one tow. Up to $1,000 total travel costs and accommodation if greater than 100km from home.
- Rental car after theft
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Yes - Up to 21 days, max $75 per day.
- Rental car after accident
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Not at fault - Yes. At fault - Optional. Unlimited days, max $100 per day.
- Rental car liability
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Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
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20000000
- Accidental death of driver
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No
- Young driver excess imposed
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$1,500 for unlisted drivers under 25
- Rideshare cover
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Optional Extra
- Other restrictions
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-
- Other benefits
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-
- Online discount
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n/a
- Multi-policy discount
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Multi-policy discount when you have 2 or more eligible products with NRMA
- No claim discount
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No
- Low km discount
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true
Comprehensive Plus Car Insurance
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Monthly premiums
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Yes
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Choice of repairer
-
Optional Extra
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Choice of excess
-
$0 - $2,000
-
Agreed or market value
-
Agreed or Market
Available discounts
- Multi-policy discount when you have 2 or more eligible products with NRMA
- Up to 10% off on your first year's premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.
- Monthly premiums available
-
Yes
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$0 - $2,000
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Multi-policy discount when you have 2 or more eligible products with NRMA|Up to 10% off on your first years premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.
- Quote time
-
-
- States where offered
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SA TAS NSW ACT QLD WA
- Roadside assistance
-
-
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
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Yes - within 2 years of original registration
- Windscreen cover
-
Yes - $0 windscreen excess.
- Personal property cover
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Up to $1,000 if damaged or stolen.
- Replacement key cover
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Up to $2,000 if stolen.
- Baby capsule or child seat cover
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Yes
- Trailer or caravan cover
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Up to $1,500 excluding contents.
- Modifications
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Automatically covered.
- Emergency repairs
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Up to $1,000
- Emergency options
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Reasonable cost of one tow. Up to $250 in total for taxi costs. Up to $1,500 total travel costs and accommodation cost if greater than 100km from home.
- Rental car after theft
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Yes - Unlimited days, max $100 per day.
- Rental car after accident
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Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.
- Rental car liability
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Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
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20000000
- Accidental death of driver
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No
- Young driver excess imposed
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$1,500 for unlisted drivers under 25
- Rideshare cover
-
Optional Extra
- Other restrictions
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-
- Other benefits
-
-
- Online discount
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n/a
- Multi-policy discount
-
Multi-policy discount when you have 2 or more eligible products with NRMA
- No claim discount
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No
- Low km discount
-
true
Comprehensive Basics Car Insurance
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Monthly premiums
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Yes
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Choice of repairer
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No
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Choice of excess
-
$0 - $2,000
-
Agreed or market value
-
Agreed or Market
Available discounts
- Multi-policy discount when you have 2 or more eligible products with NRMA
- Up to 10% off on your first year's premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.
- Monthly premiums available
-
Yes
- Choice of repairer
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No
- Choice of excess
-
$0 - $2,000
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Multi-policy discount when you have 2 or more eligible products with NRMA|Up to 10% off on your first years premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.
- Quote time
-
-
- States where offered
-
SA TAS NSW ACT QLD WA
- Roadside assistance
-
-
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
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No
- Windscreen cover
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Yes - standard excess.
- Personal property cover
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No
- Replacement key cover
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Up to $500 if stolen.
- Baby capsule or child seat cover
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Yes
- Trailer or caravan cover
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Up to $750 excluding contents.
- Modifications
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Automatically covered
- Emergency repairs
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Up to $800
- Emergency options
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Reasonable cost of one tow. Up to $500 total travel costs and accommodation if greater than 100km from home.
- Rental car after theft
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No
- Rental car after accident
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No
- Rental car liability
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No
- Legal liability cover
-
20000000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$1,500 for unlisted drivers under 25
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
Multi-policy discount when you have 2 or more eligible products with NRMA
- No claim discount
-
No
- Low km discount
-
true
Your selected car insurance
NRMA Insurance car insurance ratings
Customer reviews
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NRMA Insurance often does not charge the "Excess".
NRMA Insurance cares so much for their customers that they help in any way possible !!! When I have had to take my car in for repairs under my Insurance, NRMA Insurance has often authorised the full repairs and have not charged any "Excess" payment for the repairs !!! Now isn't that really quite generous !!!
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Great
Really quick to get through on the phone. Staff have always been really nice and is one of the cheapest insurers out there for my model of car. I received quotes from several other companies, some of which were double the cost of my current policy with NRMA. Have been great so far
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Great service + trustworthy car insurance company
I reviewed my policy certificate before deciding whether to renew with NRMA again this year. I rang the professional and friendly call centre, and they were very helpful and suggested I do a quick reassessment of our situation. It seemed like some information was missing (eg driver history) and also our situation has changed as we drive less kilometres due to having bought a second car. This decreased our premium by $300 which I was very happy about. The upside of NRMA is that it's a very professional, trustworthy and we have loyalty discount here. The downside is that it is more expensive than the other smaller car insurance companies. But I feel paying a bit more for peace of mind is better.
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How to loose a long time customer
I purchased a TPP policy from NRMA Insurance when the vehicle I had purchased six months prior was due for rego renewal in two weeks. As a long-time client I wanted to move over to them as the current TPP was with QBE. When I bought the policy, I was asked when I wanted the policy to start, I said on the date the rego was due, as I could see no point in having two concurrent policies for the interim two weeks. Immediately after I hung up, I realised that if I had kept the policy with QBE I would have been eligible for a saving of $231 as a good driver premium. I immediately rang NRMA Insurance back and asked that the policy be cancelled and explained why. I assumed that I would naturally have a cooling off period, as the policy had been purchased literally minutes before. I was told that the salesperson who sold me the policy had immediately sent the policy to Service NSW and that they could not cancel the policy, as my mechanic had forwarded the Roadworthy to Service NSW earlier in the day. Their Customer Service Department (sic) said that for me to activate my cooling off period, I would have to drive the 78 km round trip to the nearest office and hand in my plates and cancel the rego. They would then activate my cooling off period and cancel the policy. Obviously I was pretty annoyed by their reaction and lack of concern for my rights and sent an email asking for an inquiry, which was rejected with a condescending, we can’t do anything about it, not our problem reply. I immediately emailed again and asked for the decision to be reviewed, pointing out that they had caused the problem, I was entitled to a cooling off period under the Act, and they needed to offer an acceptable solution. I suggested a one off discount to cover the $231 they had cost me. This was refused, they then offered me a $100 voucher to be sent by mail as compensation and stated that this was the end of the matter, no further correspondence will be received. This was a lie, they did not send the voucher. During all these interactions, I felt as though I was talked down to, and treated as a nuisance that should go away. No one cared for my rights. If you are considering using NRMA Insurance, I would recommend you do not! Check if you are eligible for a Good Driver Premium with either QBE or another provider. NRMA Insurance will not offer you one. If you have problems with the policy, they will treat you with indifference. Customer Care and Customer Support for them are just polite terms to get rid of the problem asap. They give neither Care or Support.
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GREAT SERVICE IN ALL ASPECTS !!!
I have been a Member of the NRMA for all of the years that I have been driving and I have been driving for since I was 16-17 years old, and I am now 75 years old. I have had no problems with the NRMA nor its Insurance. But I just do not know as to why my Car Insurance costs a lot more than my Brothers' who are also with NRMA Insurance. I live in Berkeley, a nearby southern suburb of Wollongong, and my Brothers live at Warilla (Lake Illawarra) within the Shellharbour area. I have been told that I live in a "City" area so my Car Insurance costs more. But Shellharbour has been declared a "City" as well. So my does my Car Insurance in Wollongong cost a lot more than it would in Shellharbour ???
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NRMA is a well known insurer for a reason!
I have been with NRMA for our car insurance policies - green slip and comprehensive for 18 years and I really can't fault them. NRMA staff are knowledgeable, helpful and easy to deal with on the phone and via online chat. I have made a couple of small claims and they have been resolved quickly and easily. Most importantly, NRMA's premiums are extremely competitive. I shop around and compare policies every few years or so and have not yet found a cheaper premium with the same inclusions, excess and agreed value for our cars. We have a 65% no claim bonus and 17.5% loyalty bonus (we have roadside and our home and contents through NRMA too) and they blow other insurers out of the water! I definitely recommend NRMA to anyone looking for an insurer that can be trusted!
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Poor service Allround
Still going through claim process after 4 months of my car being stolen
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Insurers...Have to have them.
Better than many others. However, even after being a member for many many years and having a good history, the premiums still seem too high and go up instead of down and the member discounts etc are very very few and far between and there are always excuses from all insurers. They, like other insurers seem to offer better offers to brand new customers. I have made two claims in a long history for things that were not the fault of myself or any other driver of my vehicle. The second time was sort of okay but the first claim experience for a big claim where another vehicle wrote off my car and left me injured and out of pocket has still left a shadow on my feelings about insurers. I guess I would say to insurers but unfortunately I feel I could say this till I'm blue in the face like others and nothing would change is to look after your current members first and foremost.
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NRMA is world's worst Insurance Company
They have been investigating one of my stolen car claim from last 6 months and its still not settled yet. They don't even provide updates. I made a huge mistake choosing them.
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Online services
Great easy claims online
NRMA Insurance car insurance key features
All NRMA Insurance car insurance policies—whether Comprehensive Plus, Comprehensive, or Third Party—come with a few standout features:
- Flexible excess options. With a range between $0 and $2,000, you’ve got plenty of control over your premium. It’s nice to have that choice, whether you want to keep upfront costs low or prefer the peace of mind of a no-excess option.
- 24/7 claims service. You can lodge a claim anytime, day or night, online or over the phone, with NRMA Insurance’s dedicated claims team ready to help.
- Monthly or annual payments. You’ve got the flexibility to pay your premium annually or split it into more manageable monthly instalments, whichever works better for your budget.
- Liability cover. Up to $20 million in liability coverage for damage to others’ property is included, no matter which policy you go with.
On top of that, NRMA Insurance took home the 2024 Mozo Experts Choice Award for Best Quality Car Insurer, with individual awards across different policies for both quality and value—so you know they’re serious about delivering solid coverage.
NRMA Insurance car insurance FAQs
Does NRMA Insurance offer a choice of excess?
Yes, NRMA Insurance gives you flexibility with a range of excess options from $0 to $2,000. You can adjust this to balance your premium and out-of-pocket costs, depending on what suits your needs.
Is there a cooling-off period for NRMA Insurance car insurance?
Yes, NRMA Insurance provides a 21-day cooling-off period. If you cancel within 21 days of purchasing or renewing your policy and no claims have been made, you’ll receive a full refund.
Does NRMA Insurance cover modifications to my car?
Modifications are covered if they are agreed upon with NRMA Insurance and listed in your policy. Be sure to check your policy schedule and refer to the PDS for full details on what’s covered.
How does NRMA Insurance determine the value of my car?
NRMA Insurance offers two options: agreed value, which is an amount you and NRMA Insurance agree upon when taking out the policy, or market value, which is the current value of your car at the time of a claim based on its age, condition, and local market prices.
How do I make a claim with NRMA Insurance?
You can file a claim with NRMA Insurance through their online claims portal, or by calling their 24/7 claims service at 13 11 23. Their dedicated claims team is available to assist with any queries or help you navigate the process.
NRMA Insurance products
Car insurance quick links
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Car Insurance Awards