Comprehensive 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
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$0 - $2,000
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount up to 10% off on your first year's premium when you buy an eligible policy online
- Multi-policy discount when you have 2 or more eligible products with NRMA
- 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
-
Optional Extra
- Choice of excess
-
$0 - $2,000
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row
- States where offered
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SA TAS NSW ACT QLD WA
- Roadside assistance
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Available through NRMA roadside assistance
- 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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$20,000,000
- 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
-
-
- Other benefits
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-
- Online discount
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up to 10% off on your first year's premium when you buy an eligible policy online
- Multi-policy discount
-
Multi-policy discount when you have 2 or more eligible products with NRMA
- No claim discount
-
No
- Low km discount
-
Yes
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.
Comprehensive Plus Car Insurance
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Monthly premiums
-
Yes
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$0 - $2,000
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount up to 10% off on your first year's premium when you buy an eligible policy online
- Multi-policy discount when you have 2 or more eligible products with NRMA
- 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
-
Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row
- States where offered
-
SA TAS NSW ACT QLD WA
- Roadside assistance
-
Available through NRMA roadside assistance
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - $0 windscreen excess.
- Personal property cover
-
Up to $1,000 if damaged or stolen.
- Replacement key cover
-
Up to $2,000 if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,500 excluding contents.
- Modifications
-
Automatically covered.
- Emergency repairs
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Up to $1,000
- Emergency options
-
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
-
Yes - Unlimited days, max $100 per day.
- Rental car after accident
-
Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.
- Rental car liability
-
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
-
$20,000,000
- 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
-
up to 10% off on your first year's premium when you buy an eligible policy online
- Multi-policy discount
-
Multi-policy discount when you have 2 or more eligible products with NRMA
- No claim discount
-
No
- Low km discount
-
Yes
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.
Comprehensive Basics Car Insurance
-
Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$0 - $2,000
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount up to 10% off on your first year's premium when you buy an eligible policy online
- Multi-policy discount when you have 2 or more eligible products with NRMA
- 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
-
No
- Choice of excess
-
$0 - $2,000
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row
- States where offered
-
SA TAS NSW ACT QLD WA
- Roadside assistance
-
Available through NRMA roadside assistance
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
No
- Windscreen cover
-
Yes - standard excess.
- Personal property cover
-
No
- Replacement key cover
-
Up to $500 if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $750 excluding contents.
- Modifications
-
Automatically covered
- Emergency repairs
-
Up to $800
- Emergency options
-
Reasonable cost of one tow. Up to $500 total travel costs and accommodation if greater than 100km from home.
- Rental car after theft
-
No
- Rental car after accident
-
No
- Rental car liability
-
No
- Legal liability cover
-
$20,000,000
- 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
-
up to 10% off on your first year's premium when you buy an eligible policy online
- Multi-policy discount
-
Multi-policy discount when you have 2 or more eligible products with NRMA
- No claim discount
-
No
- Low km discount
-
Yes
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.
Your selected car insurance
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