7.0 / 10

based on 1 NRMA 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 2021 Mozo People's Choice Award winner 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 offers the following car insurance policies

Rates and fees verified as correct at 21 June, 2021. 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
8.1/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

2912 Reviews

Recent NRMA car insurance reviews

NRMA Comprehensive Car Insurance review
Overall 8/10
Reliable and Long Term Customer

I like NRMA because they bundle policies They let you choose an agreed value And being a trusted insurer, I feel confident that my vehicle will be repaired properly

Read full review

I like NRMA because they bundle policies They let you choose an agreed value And being a trusted insurer, I feel confident that my vehicle will be repaired properly

Value for money
7/10
Policy coverage
7/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
Kaylah, New South Wales, reviewed about 2 months ago
NRMA Car Insurance review
Overall 10/10
NRMA are great and would recommend.

Switched to NRMA and are great so far, but have not made a claim so hard to say they're perfect. However even though it is seperate to insurance road side services is great so i see that as a reflection of the wider company.

Read full review

Switched to NRMA and are great so far, but have not made a claim so hard to say they're perfect. However even though it is seperate to insurance road side services is great so i see that as a reflection of the wider company.

Value for money
10/10
Policy coverage
6/10
Customer service
10/10
Claims handling
5/10
Trust
6/10
Less
Odette, New South Wales, reviewed about 2 months ago
NRMA Comprehensive Car Insurance review
Overall 7/10
Not Cheap but have benefits.

NRMA are a trusted company and have their famous Roadside Assist service. However, I’ve found them to be inflexible in their underwriting in that they don’t accept a higher sum insured due to extremely low mileage.

Read full review

NRMA are a trusted company and have their famous Roadside Assist service. However, I’ve found them to be inflexible in their underwriting in that they don’t accept a higher sum insured due to extremely low mileage.

Value for money
6/10
Policy coverage
8/10
Customer service
7/10
Trust
9/10
Less
Mark, New South Wales, reviewed about 2 months ago
NRMA Car Insurance review
Overall 8/10
A reliable, trusted insurance firm.

I have been with them for years and have never had an issue. Can be a bit more pricey but very reliable.

Read full review

I have been with them for years and have never had an issue. Can be a bit more pricey but very reliable.

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

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Car insurance quick links