8.1/10

Based on 3451 NRMA product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

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 a multi-award winner in the 2023 Mozo Experts Choice Awards for Car Insurance, scoring two wins for its Comprehensive Car Insurance policy and another for its Comprehensive Plus option.

NRMA offers the following car insurance policies

Cover information and limits in the table below verified as correct at 13 June 2024. 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:

  • Damages to your car and others after an accident

  • Fire, storm and flood damage

  • Vandalism and theft

  • Hire car after a theft or not-at-fault accident

  • Towing

  • Emergency repairs (up to $800)

  • Personal items (up to $500) and baby seats or capsules (up to $500) inside the car

  • Work tools in the car (up to $1,500)

  • New car replacement if yours is written-off in the first two years

  • Any insurable incidents while operating as a rideshare driver for companies like Uber or Ola (you’ll have to disclose this when you take out a policy and pay an extra premium).

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

  • Hire cover cover in any circumstances

  • Excess-free glass repairs

  • Taxi fare (up to $250) to get home after an accident

  • Higher cover thresholds for some items

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:

  • Demographic features including age, gender, driving experience and claims history of the owners and any listed drivers of your vehicle   

  • The age, make and model of your car, as well as its condition

  • Where your vehicle is kept (garaging it will keep costs down)

  • What your car is used for (expect a premium hike if you use it for ridesharing)

  • Whether you have finance on your car and the type of finance

  • Whether you’ve nominated agreed or market value (agreed will cost you more, but could result in a larger payout if the car is written-off)

  • How you choose to pay your premium (monthly or annual)

  • Any excesses or special conditions that apply (like if you choose a higher excess in order to pay a lower premium, and vice versa).

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:

  • Collect the names, ID, contact numbers, insurance info and car registration details of anyone involved in or witness to the accident

  • Take photos of any damages and the crash site

  • File a police report if necessary.

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 customer reviews
Overall
8.1/10
Value for money
7.4/10
Policy coverage
7.9/10
Customer service
8.2/10
Claims handling
8.0/10
Trust
8.1/10
Based on 3000 NRMA product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent NRMA car insurance reviews

NRMA Comprehensive Car Insurance
Overall 1/10
NRMA is world's worst Insurance Company

They have been investigating one of my stolen car claim from last 6 months and its still not settled yet. They don't even provide updates. I made a huge mistake choosing them.

Read full review

They have been investigating one of my stolen car claim from last 6 months and its still not settled yet. They don't even provide updates. I made a huge mistake choosing them.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Mandiljit, South Australia, reviewed 2 months ago
NRMA Comprehensive Car Insurance
Overall 7/10
Insurers...Have to have them.

Better than many others. However, even after being a member for many many years and having a good history, the premiums still seem too high and go up instead of down and the member discounts etc are very very few and far between and there are always excuses from all insurers. They, like other insurers seem to offer better offers to brand new customers. I have made two claims in a long history for things that were not the fault of myself or any other driver of my vehicle. The second time was sort of okay but the first claim experience for a big claim where another vehicle wrote off my car and left me injured and out of pocket has still left a shadow on my feelings about insurers. I guess I would say to insurers but unfortunately I feel I could say this till I'm blue in the face like others and nothing would change is to look after your current members first and foremost.

Read full review

Better than many others. However, even after being a member for many many years and having a good history, the premiums still seem too high and go up instead of down and the member discounts etc are very very few and far between and there are always excuses from all insurers. They, like other insurers seem to offer better offers to brand new customers. I have made two claims in a long history for things that were not the fault of myself or any other driver of my vehicle. The second time was sort of okay but the first claim experience for a big claim where another vehicle wrote off my car and left me injured and out of pocket has still left a shadow on my feelings about insurers. I guess I would say to insurers but unfortunately I feel I could say this till I'm blue in the face like others and nothing would change is to look after your current members first and foremost.

Value for money
7/10
Policy coverage
8/10
Customer service
7/10
Claims handling
4/10
Trust
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Natasha, New South Wales, reviewed 2 months ago
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Overall 9/10
Online services

Great easy claims online

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Great easy claims online

Value for money
7/10
Customer service
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Claims handling
9/10
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Renae, New South Wales, reviewed 5 months ago
NRMA Car Insurance
Overall 8/10
NRMA is a well known insurer for a reason!

I have been with NRMA for our car insurance policies - green slip and comprehensive for 18 years and I really can't fault them. NRMA staff are knowledgeable, helpful and easy to deal with on the phone and via online chat. I have made a couple of small claims and they have been resolved quickly and easily. Most importantly, NRMA's premiums are extremely competitive. I shop around and compare policies every few years or so and have not yet found a cheaper premium with the same inclusions, excess and agreed value for our cars. We have a 65% no claim bonus and 17.5% loyalty bonus (we have roadside and our home and contents through NRMA too) and they blow other insurers out of the water! I definitely recommend NRMA to anyone looking for an insurer that can be trusted!

Read full review

I have been with NRMA for our car insurance policies - green slip and comprehensive for 18 years and I really can't fault them. NRMA staff are knowledgeable, helpful and easy to deal with on the phone and via online chat. I have made a couple of small claims and they have been resolved quickly and easily. Most importantly, NRMA's premiums are extremely competitive. I shop around and compare policies every few years or so and have not yet found a cheaper premium with the same inclusions, excess and agreed value for our cars. We have a 65% no claim bonus and 17.5% loyalty bonus (we have roadside and our home and contents through NRMA too) and they blow other insurers out of the water! I definitely recommend NRMA to anyone looking for an insurer that can be trusted!

Value for money
9/10
Policy coverage
9/10
Customer service
9/10
Claims handling
8/10
Trust
8/10
Less
Mel, New South Wales, reviewed 2 months ago
See all car insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
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.

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