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 22 October, 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
Value for money
Policy coverage
Customer service
Claims handling
Trust

2942 Reviews

Recent NRMA car insurance reviews

NRMA Comprehensive Car Insurance
Overall 7/10
Safe and traditional but not customer first

NRMA is the safe bet, it is trusted, reliable and well known in Australia. Unfortunately it doesn't acknowledge the loyalty of its customers, even when they have been with them for generations.

Read full review

NRMA is the safe bet, it is trusted, reliable and well known in Australia. Unfortunately it doesn't acknowledge the loyalty of its customers, even when they have been with them for generations.

Value for money
6/10
Policy coverage
9/10
Customer service
4/10
Claims handling
4/10
Trust
6/10
Less
Cate, New South Wales, reviewed about 19 hours ago
NRMA Comprehensive Car Insurance
Overall 10/10
Thank you for having everything I need in one plac

I have been with NRMA insurance for years now. I find they offer what I need an when I had to make a claim a year or two ago they made it easy to claim and where helpful and efficient and quick to payout. I also have contence insurance with them although I think they are now called Australia insurance for that. An I have road assistant to. Its easy when it's possible to get it all done in the one place. Also get my CTP through them. Thank you NRMA.

Read full review

I have been with NRMA insurance for years now. I find they offer what I need an when I had to make a claim a year or two ago they made it easy to claim and where helpful and efficient and quick to payout. I also have contence insurance with them although I think they are now called Australia insurance for that. An I have road assistant to. Its easy when it's possible to get it all done in the one place. Also get my CTP through them. Thank you NRMA.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Joy, New South Wales, reviewed about 19 hours ago
NRMA Car Insurance
Overall 8/10
Simple and cost effective

Pricing competitive. Policy competitive. East sign up and no hidden costs or fees. Easy self service online and payment.

Read full review

Pricing competitive. Policy competitive. East sign up and no hidden costs or fees. Easy self service online and payment.

Value for money
8/10
Policy coverage
8/10
Customer service
8/10
Trust
8/10
Less
Jayde, New South Wales, reviewed 3 days ago
NRMA Car Insurance
Overall 10/10
NRMA are awesome

I’ve been with NRMA for over 15 years and have no complaints. They are always very friendly and very helpful.

Read full review

I’ve been with NRMA for over 15 years and have no complaints. They are always very friendly and very helpful.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Laura, New South Wales, reviewed 7 days ago

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