based on 1 NRMA banking product reviews as rated by Mozo community

NRMA car insurance

When you're getting on with living your life, the last thing you want is to be worrying about worst-case scenarios. So that's what NRMA are there for, to make sure you don't ever have to worry about the things you ought to be enjoying. And whether you're an individual or business needing car insurance or motorcycle insurance, or cover for your boat, caravan, farm, business, home, health or upcoming travel - they can take care of you using their years of experience.

NRMA is also a multi-award  winner. In 2021 it picked up the major title of Quality Insurance Provider of the Year in the Mozo Experts Choice Car Insurance Awards among other awards, plus it also took out a 2021 Mozo People's Choice Award

NRMA offers the following car insurance policies

Rates and fees verified as correct at 17 May 2022. Other information correct at the time of writing.
Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Car Insurance

Yes costs extra

up to 65%

n/a

Optional Extra

Comprehensive Plus Car Insurance

Yes costs extra

up to 65%

n/a

Optional Extra

What does the NRMA do?

Whether you're an individual or business needing car insurance, motorcycle insurance, cover for your boat, caravan, farm, business, home, health or upcoming travel, NRMA can sort you out. In addition to the insurance services NRMA offers to the public, it also conducts research through the IAG Research Centre focused on improving vehicle safety, increasing security and simplifying repairs.

This long standing insurance company is probably best-known for its car insurance policies. NRMA can set you up for CTP as well as voluntary third party property car insurance or a comprehensive policy.

When it comes to comprehensive cover – the highest grade of car insurance – NRMA has two options: Comprehensive or Comprehensive Plus. As the names suggest, Comprehensive Plus incorporates a few additional features you might want, kind of like a bundle of optional extras.

What does NRMA comprehensive car insurance cover?

This will differ depending on which policy option you choose, but there are elements included in both the standard and Plus offers. This includes cover for:

Other inclusions which only come with NRMA’s Comprehensive Plus policy are:

How much is roadside assistance with NRMA?

Roadside assistance is not included in NRMA’s standard policies, so you’ll have to take it out separately. There are different prices for the various levels of NRMA car insurance. The options are:

Classic Care, which costs $9.99 a month and has 20km of free towing.

Premium Care, which costs $18.99 each month and comes with 50km of free towing in metropolitan areas and 100km in remote areas.

Premium Plus, which costs $29.99 per-month for the same coverage as Premium Care, but includes towing for larger vehicles and trailers.

How does NRMA calculate car insurance costs?

Like most car insurance providers, NRMA tries to determine how likely you are to make a claim and sets a premium based on that. The more risky you are on paper as a drive, the higher your premium. A few of the factors which influence this include:

Naturally, the policy type and any optional extras you choose will also impact premium costs.

What discounts do NRMA members get?

NRMA offers a generous no claims bonus which can grow to as much as 65% of your premium based on your claiming history and how long you’ve been driving.

There’s also a loyalty discount up for grabs. For a single policy, this starts at 5% if you’ve been with NRMA for at least three years, and can grow to 12.5% after 25 years. However, if you have multiple cars with NRMA insurance policies, the rewards kick-in sooner and get as high as 25% off your premiums.

How do I claim car insurance NRMA?

This procedure is similar to many other insurance companies. At the time of the incident, you should:

Next, have all your insurance and personal info handy to make a claim either online or over the phone. If you need towing or repairs immediately after the incident, you should also arrange this through the NRMA.

If your claim is successful after an assessment, it will be settled by the NRMA covering costs to repair or replace your vehicle, or you receiving the equivalent amount as a payment.

FAQs about NRMA car insurance

Does NRMA cover modified cars?

Yes, modifications are covered under both of NRMA’s comprehensive car insurance policies.

Does NRMA car insurance cover windscreens?

Windscreen cover is included automatically in NRMA’s Comprehensive Plus insurance. You won’t be required to pay excess when claiming for windscreen, sunroof or other glass repairs under this policy.

It’s also included in the basic Comprehensive policy, but you will need to stump up the excess fee before repairs go ahead. If you want to avoid this cost (which can sometimes be greater than the cost of repairs) you can add excess-free windscreen and glass cover to your policy as an optional extra. Just remember, this will increase your premium.

Can I pay NRMA car insurance monthly?

Yes, you can choose to pay annually or monthly with NRMA Car Insurance. However, paying in monthly instalments may come with a fee.

How do I contact NRMA?

You can get in touch with NRMA 24/7 via the NRMA Helpline (for emergencies), on the claims line, via email or by chatting with a customer service representative through the website.

How is NRMA car insurance rated?

Mozo users have rated NRMA car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
NRMA car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

2974 Reviews

Recent NRMA car insurance reviews

NRMA Car Insurance
Overall 8/10
A trusted and reliable insurer. Service levels hav

A trusted and reliable insurer. Service levels have dropped over the years, but satisfied overall and they offer a good product.

Read full review

A trusted and reliable insurer. Service levels have dropped over the years, but satisfied overall and they offer a good product.

Value for money
8/10
Policy coverage
8/10
Customer service
8/10
Claims handling
7/10
Trust
9/10
Less
John, New South Wales, reviewed about 1 month ago
NRMA Comprehensive Car Insurance
Overall 10/10
NRMA means Nice Affordale Multipurpose Affordable

I like NRMA as they are good value. They are reliable and have good road side assistance. Every person I’ve ever spoken to from NRMA have always been happy and helpful. I would only ever pick NRMA for car insurance as they have proven to me that they are Australia’s best. NRMA to me stands for Nice , Reasonable Multipurpose , Affordable

Read full review

I like NRMA as they are good value. They are reliable and have good road side assistance. Every person I’ve ever spoken to from NRMA have always been happy and helpful. I would only ever pick NRMA for car insurance as they have proven to me that they are Australia’s best. NRMA to me stands for Nice , Reasonable Multipurpose , Affordable

Value for money
10/10
Policy coverage
9/10
Customer service
10/10
Claims handling
9/10
Trust
9/10
Less
Shontelle, New South Wales, reviewed about 1 month ago
NRMA Car Insurance
Overall 7/10
No major complaints!

NRMA has great policy coverage and was a great help when my car once broke down. The service van took a few hours to get to my car, which was quite inconvenient. However, I'm still happy with NRMA and don't have any plans to change my car insurance.

Read full review

NRMA has great policy coverage and was a great help when my car once broke down. The service van took a few hours to get to my car, which was quite inconvenient. However, I'm still happy with NRMA and don't have any plans to change my car insurance.

Value for money
6/10
Policy coverage
10/10
Customer service
5/10
Claims handling
9/10
Trust
8/10
Less
Emily, New South Wales, reviewed about 1 month ago
NRMA Comprehensive Car Insurance
Overall 8/10
Multi policy and long term Loyalty discounts!

I like this company because they reward long term customers and have a multi policy discount. They also also honor a clean driving record. Their customer service is of a high standard and they were quick to process my claim. My only issue with them is their premium price. It is slightly more expensive than some… but in my mind, the benefits outweigh these costs.

Read full review

I like this company because they reward long term customers and have a multi policy discount. They also also honor a clean driving record. Their customer service is of a high standard and they were quick to process my claim. My only issue with them is their premium price. It is slightly more expensive than some… but in my mind, the benefits outweigh these costs.

Value for money
7/10
Policy coverage
7/10
Customer service
8/10
Claims handling
9/10
Trust
8/10
Less
Joanne, New South Wales, reviewed about 2 months ago

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