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 product that suits you best
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Comprehensive Plus Car Insurance |
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Comprehensive Car Insurance |
Comprehensive Plus Car Insurance
Comprehensive Car Insurance
Named 2021 Quality Insurance Provider of the Year at the Mozo Experts Choice Car Insurance Awards, 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.
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 two years of the purchase date.
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 and standard NRMA Comprehensive Car Insurance, 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, 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.
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 loyalty discount. It is also worth noting this policy is only available in New South Wales, Queensland, Tasmania and the ACT.
While NRMA has scrapped the usual unnamed driver excess that many car insurance companies include, you could still be stung with a pretty hefty young driver excess that could climb 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.
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Yes costs extra |
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$0 - $2,000 |
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$300-$400 for listed drivers under 25, $1,200-$1,600 for unlisted drivers under 25, $300-$400 for inexperienced drivers over 25. |
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65% (NSW) |
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6 years |
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n/a |
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Discount of 5% with NSW CTP Greenslip; Loyalty discount increases with amount of policies held. |
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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. |
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Get a 10% discount if your car is recognised by NRMA as fuel efficient. Get a 5% loyalty discount when you hold one 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. |
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Optional Extra |
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Optional Extra |
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Yes |
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n/a |
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n/a |
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Agreed |
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Yes - within 2 years of original registration |
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Up to $1,000 if damaged or stolen. |
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Yes - $0 windscreen excess. |
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Up to $800 |
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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. |
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Yes - Unlimited days, max $100 per day. |
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Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day. |
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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. |
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Up to $1,000 excluding contents. |
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Up to $1,000 if stolen. |
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Up to $500 per item |
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Automatically covered. |
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No |
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Optional Extra |
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.
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Yes costs extra |
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$0 - $2,000 |
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$300-$400 for listed drivers under 25, $1,200-$1,600 for unlisted drivers under 25, $300-$400 for inexperienced drivers over 25. |
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65% (NSW) |
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6 years |
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n/a |
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Discount of 5% with NSW CTP Greenslip; Loyalty discount increases with amount of policies held. |
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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. |
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Get a 10% discount if your car is recognised by NRMA as fuel efficient. Get a 5% loyalty discount when you hold one 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. |
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Optional Extra |
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Optional Extra |
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Yes |
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n/a |
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n/a |
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Agreed or Market |
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Yes - within 2 years of original registration |
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Up to $500 if damaged or stolen. |
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Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium. |
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Up to $800 |
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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. |
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Yes - Up to 21 days, max $75 per day. |
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Not at fault - Yes. At fault - Optional. Unlimited days, max $100 per day. |
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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. |
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Up to $1,000 excluding contents. |
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Up to $1,000 if stolen. |
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Up to $500 per item |
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Automatically covered |
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No |
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Optional Extra |
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.
I like NRMA as they are good value. They are reliable and have good road side assistance. Every person I’ve ever spoken to from NRMA have always been happy and helpful. I would only ever pick NRMA for car insurance as they have proven to me that they are Australia’s best. NRMA to me stands for Nice , Reasonable Multipurpose , Affordable
Read full reviewI like NRMA as they are good value. They are reliable and have good road side assistance. Every person I’ve ever spoken to from NRMA have always been happy and helpful. I would only ever pick NRMA for car insurance as they have proven to me that they are Australia’s best. NRMA to me stands for Nice , Reasonable Multipurpose , Affordable
I like this company because they reward long term customers and have a multi policy discount. They also also honor a clean driving record. Their customer service is of a high standard and they were quick to process my claim. My only issue with them is their premium price. It is slightly more expensive than some… but in my mind, the benefits outweigh these costs.
Read full reviewI like this company because they reward long term customers and have a multi policy discount. They also also honor a clean driving record. Their customer service is of a high standard and they were quick to process my claim. My only issue with them is their premium price. It is slightly more expensive than some… but in my mind, the benefits outweigh these costs.
I’ve only had one car insurance provider NRMA the best car insurer in Australia
Read full reviewI’ve only had one car insurance provider NRMA the best car insurer in Australia
Overall I've had positive experiences, except with a recent claim when someone hit me. They were not good and I had to make a formal complaint to get my money back. Everything else has run smooth and they are good value for money.
Read full reviewOverall I've had positive experiences, except with a recent claim when someone hit me. They were not good and I had to make a formal complaint to get my money back. Everything else has run smooth and they are good value for money.
I feel most of my friends have left NRMA due to having to talk to an overseas call centres. People want to talk to Australians when making enquiries (especially older people). I had no insurance on my car overnight due to their communication issues. No other complaints.
Read full reviewI feel most of my friends have left NRMA due to having to talk to an overseas call centres. People want to talk to Australians when making enquiries (especially older people). I had no insurance on my car overnight due to their communication issues. No other complaints.