The details shown below are for the Comprehensive Plus Car Insurance
The details shown below are for the Comprehensive Car Insurance
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| Name | |
|---|---|
| | Comprehensive Plus Car Insurance |
| | Comprehensive Car Insurance |
Comprehensive Plus Car Insurance
Comprehensive Car Insurance
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.
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.
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.
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.
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.
Optional Extra
Optional Extra
Yes
n/a
n/a
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
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.
Optional Extra
Optional Extra
Yes
n/a
n/a
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
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 reviewI 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.
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 reviewWhen 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.
A little pricey but definitely worth the insurance, very reliable and trustworthy.
Read full reviewA little pricey but definitely worth the insurance, very reliable and trustworthy.
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 reviewI have had policies with this company for many years and have had nothing but good service and cover from them in all that time.
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 reviewAll 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!
