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NRMA Insurance Comprehensive Car Insurance

Advertiser disclosure
The details shown below are for the Comprehensive Plus Car Insurance
The details shown below are for the Comprehensive Car Insurance
The details shown below are for the Comprehensive Basics Car Insurance

Choose the version of this product that suits you best

Name
Comprehensive Plus Car Insurance
Comprehensive Car Insurance
Comprehensive Basics Car Insurance
  • Comprehensive Plus Car Insurance
  • Comprehensive Car Insurance
  • Comprehensive Basics Car Insurance
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
Optional Extra
Monthly premiums available
Yes
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
Optional Extra
Monthly premiums available
Yes
Maximum no claim discount
Not Published
Online discount
n/a
Choice of repairer
No

Mozo editorial review NRMA Insurance Comprehensive Car Insurance - last updated: 18 September 2024

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What's hot
  • 2023 Mozo Experts Choice Award winner
  • Relationship discount when you have been with NRMA for 5 years in a row
  • New for old car replacement within 3 years for Comprehensive Plus policies
What's not
  • Young driver excess up to $1,500
Mozo snapshot

With three Mozo Experts Choice Car Insurance Awards for 2023 across their car insurance range, NRMA offers safe and loyal drivers the chance to save big on its Comprehensive Plus Car Insurance with a generous multi-policy discount as well as a relationship discount, depending on the number of policies and the number of years you’ve remained with the insurance provider.

The NRMA Comprehensive Plus Car Insurance even goes the extra mile to make sure you’re covered. It insures any drivers who get behind the wheel of your car and will even replace your new car with a brand new set of wheels if it is stolen or written off within three years of the purchase date.

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Key features

NRMA’s top level of car insurance goes above and beyond to give you the peace of mind that no matter what happens to your vehicle, you’ll be covered. NRMA Comprehensive Plus Car Insurance comes with excess-free glass cover so you can take care of any inconvenient chips in your windscreen or any cracks in your sunroof with minimal fuss and without having to pay anything out of your own pocket. 

This policy also covers any modifications or aftermarket accessories that you may have added to your car at an agreed value and will even cover any tools of trade that may be damaged or stolen up to the value of $1,500. Just remember some inclusions and coverage levels may differ between the 'Plus' option, the standard NRMA Comprehensive Car Insurance and the 'Basics' policy, so be sure to check your PDS for details.

Comprehensive Plus Car Insurance might be a premium level of cover, but NRMA rewards its customers with some serious discounts to make the premium more affordable. Depending on how many policies you have with the NRMA and the amount of years you’ve been a customer for, you could be eligible for a relationship discount and multi-policy discount.

snapshot
Who is it good for

If you’re already an NRMA customer, it might be in your best interests to look at taking out NRMA Comprehensive Plus Car Insurance and reaping the financial rewards that come with the relationship discount. It is also worth noting this policy is only available in New South Wales, Queensland, Tasmania and the ACT.

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Any catches

While NRMA has scrapped the usual unnamed driver excess that many car insurance companies include, you could still be stung with a pretty hefty unlisted young driver excess that could climb as high as $1,500 if someone under the age of 25 is in an at-fault accident in your car. Lastly, if you want to make monthly premium payments, you’ll be paying a higher premium than you would if you were to pay annually.

Details

Cover information and limits in the table below correct as at 14 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes

$0 - $2,000

$1,500 for unlisted drivers under 25

(NSW)
(SA)
(QLD)
(ACT)
(WA)
(NT)
(VIC)
(TAS)

6 years

n/a

Multi-policy discount when you have 2 or more eligible products with NRMA

No

Up to 10% off on your first years premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.

Service features

n/a

Optional Extra

Yes

n/a

n/a

SA TAS NSW ACT QLD WA

Coverage summary

Agreed or Market

Yes - within 2 years of original registration

Up to $1,000 if damaged or stolen.

Yes - $0 windscreen excess.

Up to $1,000

Reasonable cost of one tow. Up to $250 in total for taxi costs. Up to $1,500 total travel costs and accommodation cost if greater than 100km from home.

Yes - Unlimited days, max $100 per day.

Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.

Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.

Up to $1,500 excluding contents.

Up to $2,000 if stolen.

Yes

Automatically covered.

No

Optional Extra

^See information about the Mozo Expert Choice Car Insurance Awards

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Details

Cover information and limits in the table below correct as at 14 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes

$0 - $2,000

$1,500 for unlisted drivers under 25

(NSW)
(SA)
(ACT)
(WA)
(VIC)
(NT)
(TAS)
(QLD)

6 years

n/a

Multi-policy discount when you have 2 or more eligible products with NRMA

No

Up to 10% off on your first years premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.

Service features

n/a

Optional Extra

Yes

n/a

n/a

SA TAS NSW ACT QLD WA

Coverage summary

Agreed or Market

Yes - within 2 years of original registration

Up to $500 if damaged or stolen.

Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

Up to $800

Reasonable cost of one tow. Up to $1,000 total travel costs and accommodation if greater than 100km from home.

Yes - Up to 21 days, max $75 per day.

Not at fault - Yes. At fault - Optional. Unlimited days, max $100 per day.

Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.

Up to $1,000 excluding contents.

Up to $1,000 if stolen.

Yes

Automatically covered

No

Optional Extra

^See information about the Mozo Expert Choice Car Insurance Awards

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Details

Cover information and limits in the table below correct as at 14 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes

$0 - $2,000

$1,500 for unlisted drivers under 25

(NSW)
(SA)
(ACT)
(WA)
(VIC)
(NT)
(TAS)
(QLD)

6 years

n/a

Multi-policy discount when you have 2 or more eligible products with NRMA

No

Up to 10% off on your first years premium when you buy an eligible policy online. Qualify for a relationship discount when you have an eligible policy with NRMA for 5 years in a row.

Service features

n/a

No

Yes

n/a

n/a

SA TAS NSW ACT QLD WA

Coverage summary

Agreed or Market

No

No

Yes - standard excess.

Up to $800

Reasonable cost of one tow. Up to $500 total travel costs and accommodation if greater than 100km from home.

No

No

No

Up to $750 excluding contents.

Up to $500 if stolen.

Yes

Automatically covered

No

Optional Extra

^See information about the Mozo Expert Choice Car Insurance Awards

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer Reviews

How are NRMA Insurance car insurance rated by the Mozo community?

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 3003 NRMA Insurance car insurance 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.

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