NRMA - Comprehensive Car Insurance

NRMA Comprehensive Car Insurance Review

Rates and fees information correct as at 21 November 2018.

Review published: 20 September 2017

What's hot:

  • 2018 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 2018, 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
8.1

Based on 2802
NRMA car insurance reviews

7.4 7.9 8.2 7.9 8.1

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   8 / 10

Happy with NRMA no need to look at change

Insurance is fine, no need for change, it's a competitive rate.

Full review

Insurance is fine, no need for change, it's a competitive rate.

    Value for money   5 / 10

    Policy coverage   8 / 10

    Customer service   9 / 10

    Trust   8 / 10

Less

Trent, Queensland, reviewed 7 months ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   7 / 10

All dealings have been good

Competitive premiums and good customer service.

Full review

Competitive premiums and good customer service.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   8 / 10

    Trust   7 / 10

Less

Jirra, New South Wales, reviewed 7 months ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   10 / 10

Great to meet your needs

Never let me down, I'd recommend NRMA to anyone.

Full review

Never let me down, I'd recommend NRMA to anyone.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Julie, Queensland, reviewed 9 months ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   10 / 10

Great customer service

I have been with the NRMA for 40 years & I do not intend to change this in the near future.

Full review

I have been with the NRMA for 40 years & I do not intend to change this in the near future.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Eric, New South Wales, reviewed 9 months ago

NRMA

NRMA Comprehensive Plus Car Insurance car insurance review

Overall rating   9 / 10

Completely reliable service

Always competitive and up to date with their products.

Full review

Always competitive and up to date with their products.

    Value for money   9 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   9 / 10

    Trust   10 / 10

Less

Cheryl, New South Wales, reviewed 9 months 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, $1,600 for unlisted drivers under 25, $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

  • none

  • none

Coverage summary

  • Agreed

  • - within 2 years of original registration

  • Up to $1,000 if damaged.

  • Yes - $0 windscreen excess.

  • Up to $800

  • Reasonable towing costs. Up to $250 for taxi fares.

  • - Unlimited days, max $100 per day.

  • - 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.

Discounts and excesses

  • costs extra

  • $0 - $2,000

  • $400 for listed drivers under 25, $1,600 for unlisted drivers under 25, $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

  • none

  • none

Coverage summary

  • Agreed or Market

  • - within 2 years of original registration

  • Up to $500 if damaged.

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

  • Up to $800

  • Cost of one tow.

  • - Up to 21 days, max $75 per day.

  • Optional Extra - Up to 14 days, max $75 per day.

  • Yes - legal liability cover when using a substitute vehicle. $2,000 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.

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).

(*as voted by the Mozo community)

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