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

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: 6 September 2018.

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.

Details

Rates and fees information correct as at 26 March 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

  • $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.

(*as voted by the Mozo community)

Details

Rates and fees information correct as at 26 March 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

  • $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.

(*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
    8/10
    Happy with NRMA no need to look at change

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

    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
    Claims handling
    -1/10
    Trust
    8/10

    Trent | Queensland

    reviewed 12 months ago

  • Overall
    7/10
    All dealings have been good

    Competitive premiums and good customer service.

    Competitive premiums and good customer service.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    -1/10
    Trust
    7/10

    Jirra | New South Wales

    reviewed 12 months ago

  • Overall
    10/10
    Great to meet your needs

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

    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

    Julie | Queensland

    reviewed about 1 year ago

  • Overall
    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.

    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

    Eric | New South Wales

    reviewed about 1 year ago

  • Overall
    9/10
    Completely reliable service

    Always competitive and up to date with their products.

    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

    Cheryl | New South Wales

    reviewed about 1 year ago

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