Cover information and limits in the table below verified as correct at 5 December 2023. Other information correct at the time of writing.
Advertiser disclosure.
Important information on terms, conditions and sub-limits
| 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 |
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.
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
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.
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.
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.
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.
Yes, modifications are covered under both of NRMA’s comprehensive car insurance policies.
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.
Yes, you can choose to pay annually or monthly with NRMA Car Insurance. However, paying in monthly instalments may come with a fee.
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.
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.
2996 Reviews
Great service, have been with them for years and always happy with the level of customer service
Read full reviewGreat service, have been with them for years and always happy with the level of customer service
Recently had 2 car accidents one at fault and another not at fault. They handled both claims simultaneously with the one repairer so I wasn't without my car for very long
Read full reviewRecently had 2 car accidents one at fault and another not at fault. They handled both claims simultaneously with the one repairer so I wasn't without my car for very long
What I like is their customer service is really good and people are kind and friendly. What I don’t like is insurance payment is getting expensive.
Read full reviewWhat I like is their customer service is really good and people are kind and friendly. What I don’t like is insurance payment is getting expensive.
I have marked the reviews so bad because this company what they do to us small consumers is really bad my account was stopped by the NAB fraud department NRMA went to take a payment out and couldn’t so they sent a dishonesty payment on my credit file so this has affected me to buy a house etc I honestly think NRMA should be boycotted because all they care about is taken your money one of the worst companies I’ve dealt with in my 25 years of dealing with insurance companies just think twice
Read full reviewI have marked the reviews so bad because this company what they do to us small consumers is really bad my account was stopped by the NAB fraud department NRMA went to take a payment out and couldn’t so they sent a dishonesty payment on my credit file so this has affected me to buy a house etc I honestly think NRMA should be boycotted because all they care about is taken your money one of the worst companies I’ve dealt with in my 25 years of dealing with insurance companies just think twice