NRMA - Comprehensive Car Insurance

NRMA Comprehensive Car Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Winner

  • New for old car replacement within 2 years

  • Up to 65% no claims bonus

  • Loyalty discount up to 25%

What's not:

  • Young driver excess up to $1,600

Mozo snapshot:

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. A Mozo Experts Choice Award winner for Exceptional Quality Car Insurance in 2017, 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.

How is NRMA car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.2

Based on 1199
NRMA car insurance reviews

7.4 8.0 8.3 7.9 8.2

Read NRMA car insurance reviews by the Mozo community

Latest reviews of NRMA Comprehensive Car Insurance

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   10 / 10

Great Bank

They're a great bank

Full review

They're a great bank

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Donna (NSW), reviewed 6 days ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   7 / 10

Quality cover but read renewal notice carefully

I've been with NRMA for a number of years now and have never had to make a claim. I get a loyalty discount with my policy, as well as a no claims bonus so the premium is reasonable for the quality of cover I get. Come renewal time you definitely...

Full review

I've been with NRMA for a number of years now and have never had to make a claim. I get a loyalty discount with my policy, as well as a no claims bonus so the premium is reasonable for the quality of cover I get. Come renewal time you definitely need to read your policy carefully as the do change things without you realising it. For instance, we had an agreed price policy one year and the next year when our renewal come in, it had been switched to a market value policy.

    Value for money   5 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Kylie (NSW), reviewed about 1 month ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   6 / 10

Expensive... But the multiple policy discount help

For what it is, it's fine. The $100+ price jump when I moved from a regular residence at Elderslie to a gated community at Gilead was a little ridiculous but it seems industry standard.

Full review

For what it is, it's fine. The $100+ price jump when I moved from a regular residence at Elderslie to a gated community at Gilead was a little ridiculous but it seems industry standard.

    Value for money   4 / 10

    Policy coverage   6 / 10

    Customer service   5 / 10

    Claims handling   6 / 10

    Trust   6 / 10

Less

Janette (NSW), reviewed over 1 year ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   10 / 10

First class attention, response time, and precise.

Their attention you get is excellent, timely and very helpful if you have need from your insurer. We recently had an issue when some unnamed person damaged our car in a parking lot at a hospital. The NRMA were very resonsive and helpful about what...

Full review

Their attention you get is excellent, timely and very helpful if you have need from your insurer. We recently had an issue when some unnamed person damaged our car in a parking lot at a hospital. The NRMA were very resonsive and helpful about what to do? We were able to drive home, and the next day we took it in for assessment. That was done on the day, the work was done the next day; and they also touched a few little other marks.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Jocalyn (NSW), reviewed over 1 year ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   4 / 10

Never been so disgusted. No customer service

I have been driving for 27 years & never had a fine, parking ticket or accident. Last year I was involved in an accident where I was not at fault but everytime I rang to enquire where it was up to, how much longer it would be as I work in...

Full review

I have been driving for 27 years & never had a fine, parking ticket or accident. Last year I was involved in an accident where I was not at fault but everytime I rang to enquire where it was up to, how much longer it would be as I work in Cronulla. I have never been spoken to so rudely & made to feel worthless. They really could not even be bothered to answer my emails & I was the one who had to repeatedly ph them.

    Value for money   7 / 10

    Policy coverage   6 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   0 / 10

Less

Natalie (NSW), reviewed almost 2 years ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Discounts and excesses

  • costs extra

  • $0 - $2,000

  • $400 for listed drivers under 25 or $1,600 for unlisted. Over 25: $400 if driver is less than 2 years licensed.

  • 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

  • none

  • none

Coverage summary

  • Agreed

  • - within 2 years of registration

  • Up to $1000 cover when car damaged.

  • Covered with no excess.

  • Up to $800

  • Cost of towing from the scene of the incident, or transporting to and from the repairer. Up to $250 for taxi fare.

  • - unlimited days. Max $100 daily.

  • - unlimited days. Max $100 daily.

  • $3000 contribution towards excess or security bond required; legal liability cover when using a substitute vehicle

  • Up to $1000 excluding contents of both trailer and caravan.

  • Up to $1000 if stolen

  • Up to $500 per item if stolen or damaged.

  • Automatically covered.

Discounts and excesses

  • costs extra

  • $0 - $2,000

  • $400 for listed drivers under 25 or $1600 for unlisted. Over 25: $400 if less than 2 years licensed.

  • 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

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 2 years of registration

  • Up to $500 cover when car damaged.

  • Covered. Can pay extra premium for windscreen cover with no excess.

  • Up to $800

  • Cost of one tow.

  • - 21 days max. Max $75 daily.

  • Optional extra: 14 days max. Max $75 daily.

  • $2000 contribution towards excess or security bond required; legal liability cover when using a substitute vehicle

  • Up to $1000 excluding contents of both trailer and caravan.

  • Up to $1000 if stolen

  • Up to $500 per item if stolen or damaged.

  • Automatically covered.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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