NRMA Insurance car insurance

4.1
Based on 3,006 NRMA Insurance car insurance product reviews.
Fact Checked
Last updated

If NRMA Insurance car insurance sounds like a bit of a mouthful, it’s because we’re required to call it that. NRMA Insurance is a separate company from the motoring association NRMA. But don’t worry—NRMA Insurance still brings the reliability you’d expect. 

Backed by Insurance Australia Group (IAG), one of Australia’s largest insurers, NRMA Insurance offers strong financial security and was recently named Australia’s Best Quality Car Insurer in the 2024 Mozo Experts Choice Awards

With five levels of cover, from comprehensive to third-party, there’s an option for everyone, plus loyalty and multi-policy discounts to help you save. With IAG backing, award-winning quality, and flexible options, NRMA Insurance delivers solid value for all types of drivers.

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Important information on terms, conditions and sub-limits.
Last updated 4 April 2025 Important disclosures

NRMA Insurance car insurance

  • Comprehensive Car Insurance

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    Tools icon
    Optional Extra
    Choice of excess
    Coins icon
    $0 - $2,000
    Agreed or market value
    Car coin icon
    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
    No Partner link
  • Comprehensive Plus Car Insurance

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    Tools icon
    Optional Extra
    Choice of excess
    Coins icon
    $0 - $2,000
    Agreed or market value
    Car coin icon
    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
    No Partner link
  • Comprehensive Basics Car Insurance

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    Tools icon
    No
    Choice of excess
    Coins icon
    $0 - $2,000
    Agreed or market value
    Car coin icon
    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
    No Partner link

Get the latest news and product updates.

NRMA Insurance car insurance ratings

Overall customer rating for NRMA Insurance car insurance

4.1
Based on 3,006 product reviews.

Customer reviews

Important disclosures

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:

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

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* 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