7.0 / 10

based on 1 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 here 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 06 March, 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

2870 Reviews

Recent NRMA car insurance reviews

NRMA Car Insurance review
Overall 1/10
Conflicting responses, time taken to finalise

Car was damaged in an accident, car taken to assessors 3 times to be assessed, the assessor did not attend on any of the occasions and then said the car was a write off, they would not repair the car and would not pay the agreed value, after numerous phone calls to NRMA and conversations with the assessor asking for an explanation why it would not be repaired, was told it was a write off and to expensive to repair so asked why it could not be repaired was told because it was a write off, very confusing, so more phone calls and eventually agreed on a payout figure for the car, I had to push really hard to get this outcome, NRMA responses were conflicting and I feel they were hoping I would eventually give up on the claim, I didn't and finally the claim was finalised, it took over 8 months to finalise,

Read full review

Car was damaged in an accident, car taken to assessors 3 times to be assessed, the assessor did not attend on any of the occasions and then said the car was a write off, they would not repair the car and would not pay the agreed value, after numerous phone calls to NRMA and conversations with the assessor asking for an explanation why it would not be repaired, was told it was a write off and to expensive to repair so asked why it could not be repaired was told because it was a write off, very confusing, so more phone calls and eventually agreed on a payout figure for the car, I had to push really hard to get this outcome, NRMA responses were conflicting and I feel they were hoping I would eventually give up on the claim, I didn't and finally the claim was finalised, it took over 8 months to finalise,

Value for money
1/10
Policy coverage
8/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Pamela, New South Wales, reviewed about 18 hours ago
NRMA Comprehensive Car Insurance review
Overall 10/10
Fair, experienced and reliable.

NRMA has insured my vehicles for more than three decades. I always feel they treat me with fairness, respect and understanding. The rates do increase each year but is always manageable. The product meets all my needs. The insurer has huge financial resources and has developed a HELP DNA that permeates its staff and systems.

Read full review

NRMA has insured my vehicles for more than three decades. I always feel they treat me with fairness, respect and understanding. The rates do increase each year but is always manageable. The product meets all my needs. The insurer has huge financial resources and has developed a HELP DNA that permeates its staff and systems.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Roger, Queensland, reviewed 8 days ago
NRMA Comprehensive Car Insurance review
Overall 10/10
Competitive Pricing and Honest in their dealings

I like them because of the cover available and the competitive cost of that cover. Unlike other companies I have been with when renewal time comes around you do not face huge increases in premium, particularly when you have had no claims. Many companies appear to base their premiums on postcode rather than your history. These same companies appear to offer you a competitive premium in the first year, almost like a trap to get your business, but then in the next year increase your premium by 10-30%, although you have not had a claim and of course your vehicle is one year older, so worth less, and inflation is around 1%. I've had occasion to question a past insurer about the rise in premium asked and immediately been offered a $50 discount on the proposed premium. And this offer from the girl answering the phone with no reference to a more senior person. That's when I changed to NRMA, it was like a breath of fresh air. I've never had a claim with NRMA so I cannot speak on their performance in this area.

Read full review

I like them because of the cover available and the competitive cost of that cover. Unlike other companies I have been with when renewal time comes around you do not face huge increases in premium, particularly when you have had no claims. Many companies appear to base their premiums on postcode rather than your history. These same companies appear to offer you a competitive premium in the first year, almost like a trap to get your business, but then in the next year increase your premium by 10-30%, although you have not had a claim and of course your vehicle is one year older, so worth less, and inflation is around 1%. I've had occasion to question a past insurer about the rise in premium asked and immediately been offered a $50 discount on the proposed premium. And this offer from the girl answering the phone with no reference to a more senior person. That's when I changed to NRMA, it was like a breath of fresh air. I've never had a claim with NRMA so I cannot speak on their performance in this area.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Bill, Queensland, reviewed 8 days ago
NRMA Comprehensive Car Insurance review
Overall 10/10
NRMA focus on customer rather than competition.

Pros: All the options one could think of regarding their car insurance is covered under NRMA insurance. Moreover, the optional extras, especially the one where they cover to hire a car for free after an incident provides that support and sigh of relief which one is looking for at that very point in time. I have been with NRMA since 2016, and not once have I thought of going with any other insurance. I think this says it all about my satisfaction level with NRMA. Cons: Can't think of any at the moment, but if I am able to find one in the future, I am sure they will do everything they can to resolve that, as they offer awesome customer service, as all their agents understand their customer's perspective as per the situation appropriately.

Read full review

Pros: All the options one could think of regarding their car insurance is covered under NRMA insurance. Moreover, the optional extras, especially the one where they cover to hire a car for free after an incident provides that support and sigh of relief which one is looking for at that very point in time. I have been with NRMA since 2016, and not once have I thought of going with any other insurance. I think this says it all about my satisfaction level with NRMA. Cons: Can't think of any at the moment, but if I am able to find one in the future, I am sure they will do everything they can to resolve that, as they offer awesome customer service, as all their agents understand their customer's perspective as per the situation appropriately.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Sumedha, New South Wales, reviewed 3 months ago

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