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
| 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. 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.
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 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.
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
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).
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 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.
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 - Optional. 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).
They were cheaper than GIO when I signed up.
Read full reviewThey were cheaper than GIO when I signed up.
NRMA Comprehensive Car Insurance has great coverage and are quick to deal with claims. They are a bit expensive for what you get.
Read full reviewNRMA Comprehensive Car Insurance has great coverage and are quick to deal with claims. They are a bit expensive for what you get.
They are cheap and reliable.
Read full reviewThey are cheap and reliable.
I have nothing to fault from NRMAs customer service and claims dept however there are some cons too: Pros - They are fast when handling claims and easy to communicate with - They handle all the hard stuff like dealing with third parties - They are a trustworthy and recommend trustworthy repairers Cons - They are on the expensive side - They really need to work on their app - my payment is direct deposited from my account and sometimes I like to pay bills early but it won’t allow this on their app. Also if your payment falls on a weekend it doesn’t come out and you get an email saying payments been missed.
Read full reviewI have nothing to fault from NRMAs customer service and claims dept however there are some cons too: Pros - They are fast when handling claims and easy to communicate with - They handle all the hard stuff like dealing with third parties - They are a trustworthy and recommend trustworthy repairers Cons - They are on the expensive side - They really need to work on their app - my payment is direct deposited from my account and sometimes I like to pay bills early but it won’t allow this on their app. Also if your payment falls on a weekend it doesn’t come out and you get an email saying payments been missed.
I like them because they are quick and easy to deal with on the phone and I trust them the most compared to other insurers. Just make a phone call and they sort out the rest.
Read full reviewI like them because they are quick and easy to deal with on the phone and I trust them the most compared to other insurers. Just make a phone call and they sort out the rest.
