NRMA Comprehensive Car Insurance

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The details shown below are for the Comprehensive Plus Car Insurance

The details shown below are for the Comprehensive Car Insurance

Choose the version of this loan that suits you best

  • Comprehensive Plus Car Insurance

  • Comprehensive Car Insurance

costs extra

up to 65%

n/a

NRMA Comprehensive Car Insurance

costs extra

up to 65%

n/a

costs extra

up to 65%

n/a

NRMA Comprehensive Car Insurance

costs extra

up to 65%

n/a

Mozo Review   NRMA Comprehensive Car Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 Mozo Experts Choice Award

  • Up to 65% no claims bonus

  • Loyalty discount up to 25%

  • New for old car replacement within 2 years

What's not:
  • Young driver excess up to $1,600

Mozo snapshot:

2019 Mozo Experts Choice Award winner NRMA offers safe and loyal drivers the chance to save big on its Comprehensive Plus Car Insurance with a generous no claims bonus as well as a loyalty discount, depending on the number of policies and the number of years you’ve remained with the insurance provider.

NRMA Comprehensive Plus Car Insurance 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 two years of the purchase date.

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.

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, your loyalty discount could rise as high as 25%. NRMA also offers customers the opportunity to save as much as 65% on their premiums through one of the more generous no claims bonuses on the market, but this might take a few years to build up.

Who it's 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 tasty loyalty discount. It is also worth noting that this policy is only available in New South Wales, Queensland, Tasmania and the ACT.

Any catches?

While NRMA has scrapped the usual unnamed driver excess that many car insurers include, you could still be hit with a pretty hefty young driver excess that could climb to as high as $1,600 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

Rates and fees information correct as at 15 November 2019. 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
  • costs extra

  • $0 - $2,000

  • $300-$400 for listed drivers under 35, $1,200-$1,600 for unlisted drivers under 25, $300-$400 for inexperienced drivers over 25.

  • 65% (NSW)
    - (SA)
    - (QLD)
    - (ACT)
    - (WA)
    - (NT)
    - (VIC)
    - (TAS)

  • 6 years

  • n/a

  • Discount of 5% with NSW CTP Greenslip; Loyalty discount increases with amount of policies held.

  • Maximum no claim discount is protected for life against no-fault claims after 1 year at maximum no claim discount level. Others can purchase protection for extra premium.

  • Get a 10% discount if your car is recognised by NRMA as fuel efficient. Get 5% off for a year when you hold the policy for 3-4 years, 7.5% for 5-9 years, 10% for 10-24 years and 12.5% when you hold it for more than 25 years.

Service features
  • Optional Extra

  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed

  • - within 2 years of original registration

  • Up to $1,000 if damaged or stolen.

  • Yes - $0 windscreen excess.

  • Up to $800

  • Reasonable cost of one tow. Up to $250 in total for taxi costs. Up to $1,000 total travel costs and accommodation cost up to $150 per night for up to five days if greater than 100km from home.

  • - Unlimited days, max $100 per day.

  • t 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 $1,000 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

*as voted by the Mozo community

Details

Rates and fees information correct as at 15 November 2019. 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
  • costs extra

  • $0 - $2,000

  • $300-$400 for listed drivers under 35, $1,200-$1,600 for unlisted drivers under 25, $300-$400 for inexperienced drivers over 25.

  • 65% (NSW)
    - (SA)
    - (ACT)
    - (WA)
    - (VIC)
    - (NT)
    - (TAS)
    - (QLD)

  • 6 years

  • n/a

  • Discount of 5% with NSW CTP Greenslip; Loyalty discount increases with amount of policies held.

  • Maximum no claim discount is protected for life against no-fault claims, after 1 year at maximum no claim discount level. Others can purchase protection for extra premium.

  • Get a 10% discount if your car is recognised by NRMA as fuel efficient. Get 5% off for a year when you hold the policy for 3-4 years, 7.5% for 5-9 years, 10% for 10-24 years and 12.5% when you hold it for more than 25 years.

Service features
  • Optional Extra

  • Optional Extra

  • n/a

  • n/a

Coverage summary
  • Agreed or Market

  • - 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 cost up to $150 per night for up to five days if greater than 100km from home.

  • - Up to 21 days, max $75 per day.

  • t 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 $1,000 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered

*as voted by the Mozo community

Customer Reviews

How are NRMA car insurance rated by the Mozo community?

Overall customer rating
8.1/10
Value for money
7.4/10
Policy coverage
7.9/10
Customer service
8.2/10
Claims handling
7.9/10
Trust
8.1/10

Latest reviews of NRMA Comprehensive Car Insurance

  • Overall
    9/10
    Value for what I pay for.

    NRMA gives me discount to for my green slip as part of being a member.

    NRMA gives me discount to for my green slip as part of being a member.

    Value for money
    9/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    10/10

    James | New South Wales

    reviewed 4 days ago

  • Overall
    7/10
    Not always the cheapest but good customer service.

    NRMA is not always the cheapest but I have all my policies and roadside assistance policies with...

    NRMA is not always the cheapest but I have all my policies and roadside assistance policies with them. However, the customer service seems very good.

    Value for money
    3/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    9/10

    Katherine | New South Wales

    reviewed 11 days ago

  • Overall
    10/10
    Trust, never had any problems with them.

    NRMA is easy to deal with. They speak plain English and you speak with a real person.

    NRMA is easy to deal with. They speak plain English and you speak with a real person.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    9/10

    Pamela | New South Wales

    reviewed 11 days ago

  • Overall
    3/10
    BAD for owners of older cars.

    NRMA are atrocious for owners of older cars. They have recently changed their 'agreed' value of...

    NRMA are atrocious for owners of older cars. They have recently changed their 'agreed' value of our car and the premiums are higher than what they are covering the car for. They are difficult to deal with over the phone and seem to only care for their bottom line, not the customer.

    Value for money
    3/10
    Policy coverage
    7/10
    Customer service
    4/10
    Claims handling
    6/10
    Trust
    2/10

    Bruce | New South Wales

    reviewed 14 days ago

  • Overall
    9/10
    Happy with service

    Been with them for years, easy to talk to.

    Been with them for years, easy to talk to.

    Value for money
    9/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    9/10

    Nola | New South Wales

    reviewed 21 days ago

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