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NRMA Comprehensive Car Insurance

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

Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 65%
Online discount
n/a
Choice of repairer
Optional Extra
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 65%
Online discount
n/a
Choice of repairer
Optional Extra

Mozo editorial review NRMA Comprehensive Car Insurance

Last updated: 24 September 2020.

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What's hot
  • 2020 Mozo Experts Choice Award
  • Up to 65% no claims bonus
  • Loyalty discount up to 25%
  • New for old car replacement within 2 years
  • 2020 Quality Insurer of the Year
What's not
  • Young driver excess up to $1,600
Mozo snapshot

2020 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.

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.

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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.

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.

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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 loyalty discount. It is also worth noting that 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 insurers include, you could still be stung 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 28 September 2020. 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 costs extra

  • $0 - $2,000

  • $300-$400 for listed drivers under 25, $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

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - 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.

  • 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 $1,000 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered.

  • No

  • Optional Extra

*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).

Details

Rates and fees information correct as at 28 September 2020. 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 costs extra

  • $0 - $2,000

  • $300-$400 for listed drivers under 25, $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

  • Yes

  • n/a

  • n/a

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

  • Yes - Up to 21 days, max $75 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 $1,000 excluding contents.

  • Up to $1,000 if stolen.

  • Up to $500 per item

  • Automatically covered

  • No

  • Optional Extra

*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).

Customer Reviews

How are NRMA 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
7.9/10
Trust
8.1/10

Latest reviews of NRMA Comprehensive Car Insurance

  • Overall 8/10
    Good reputation and the cheapest insurance for me.

    I switched to NRMA a couple of years ago as they offered the best price while still providing good coverage. So far I have been happy with NRMA. I haven't had to make a claim so cannot comment on their claims process. I always shop around for the best price for my car insurance and they are still the cheapest for me.

    Read full review

    I switched to NRMA a couple of years ago as they offered the best price while still providing good coverage. So far I have been happy with NRMA. I haven't had to make a claim so cannot comment on their claims process. I always shop around for the best price for my car insurance and they are still the cheapest for me.

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    -1/10
    Claims handling
    -1/10
    Trust
    8/10
    Less
    Natalie, Queensland reviewed 3 days ago
  • Overall 2/10
    Poor customer service, zero accountability

    When I renewed my insurance I was given incorrect information by the person I spoke to over the phone, which meant amendments needed to be made to my policy which meant that on the same day as activating the new policy, an additional new policy needed to be created and paid for. I therefore paid for two policies for one car and had to wait a week to be refunded for one. NRMA admitted fault due to misinformation provided by their representative, however I didn't receive so much as an apology. Appalling customer service.

    Read full review

    When I renewed my insurance I was given incorrect information by the person I spoke to over the phone, which meant amendments needed to be made to my policy which meant that on the same day as activating the new policy, an additional new policy needed to be created and paid for. I therefore paid for two policies for one car and had to wait a week to be refunded for one. NRMA admitted fault due to misinformation provided by their representative, however I didn't receive so much as an apology. Appalling customer service.

    Value for money
    6/10
    Policy coverage
    7/10
    Customer service
    1/10
    Claims handling
    -1/10
    Trust
    1/10
    Less
    Annabelle, New South Wales reviewed 4 days ago
  • Overall 9/10
    Amazing car insurance.

    A little pricey but definitely worth the insurance, very reliable and trustworthy.

    Read full review

    A little pricey but definitely worth the insurance, very reliable and trustworthy.

    Value for money
    10/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    10/10
    Less
    Radhika, New South Wales reviewed 13 days ago
  • Overall 9/10
    Premiums have been fair, service exceptional.

    I have had policies with this company for many years and have had nothing but good service and cover from them in all that time.

    Read full review

    I have had policies with this company for many years and have had nothing but good service and cover from them in all that time.

    Value for money
    9/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Philip, New South Wales reviewed about 1 month ago
  • Overall 1/10
    NRMA - Do Not place you’re trust in this company

    All in this company is lost. I have been with NRMA for a number of years and have always paid my insurance on time however recently NRMA cancelled my policy without advising me and when I questioned the representative on why I was not notified he advised that I was sent a number of emails which I never received, however the representative was quick to add that they could be in my junk file. When I asked why I was not sent a letter or text they advised email was my preference which I would never have agreed to. My car insurance is not like a gym membership that can significantly change someone’s life! I have been driving my car uninsured for over 3 months unknowingly! I have always been a responsible person and have always had insurance and registered my car on time for over 30 years and not once Have I ever driven a car that was not insured. Thanks NRMA! In addition to this the representative told me my new policy was an additional $50 each month due to natural disasters, so my insurance went from $97 A month to $140 a month. Obviously I was very upset that not only was I driving my car uninsured for 3 months but NRMA wanted to charge me more. As you can understand I was most upset about how this issue was handled and contacted GIO, Budget Direct and AAMI. They all offered me between $60-$70 a month with the same excess! So I strongly do not recommend NRMA!

    Read full review

    All in this company is lost. I have been with NRMA for a number of years and have always paid my insurance on time however recently NRMA cancelled my policy without advising me and when I questioned the representative on why I was not notified he advised that I was sent a number of emails which I never received, however the representative was quick to add that they could be in my junk file. When I asked why I was not sent a letter or text they advised email was my preference which I would never have agreed to. My car insurance is not like a gym membership that can significantly change someone’s life! I have been driving my car uninsured for over 3 months unknowingly! I have always been a responsible person and have always had insurance and registered my car on time for over 30 years and not once Have I ever driven a car that was not insured. Thanks NRMA! In addition to this the representative told me my new policy was an additional $50 each month due to natural disasters, so my insurance went from $97 A month to $140 a month. Obviously I was very upset that not only was I driving my car uninsured for 3 months but NRMA wanted to charge me more. As you can understand I was most upset about how this issue was handled and contacted GIO, Budget Direct and AAMI. They all offered me between $60-$70 a month with the same excess! So I strongly do not recommend NRMA!

    Value for money
    1/10
    Policy coverage
    -1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Sarah, New South Wales reviewed about 2 months ago
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About NRMA

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