NRMA - Building Insurance

NRMA Building Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Experts Choice winner

  • No claims bonus

  • Underinsurance protection

  • Lifetime guarantee on authorised repairs

What's not:

  • Limits on building materials

Mozo snapshot:

Taking out an Experts Choice Award for Exceptional Quality Home Buildings Insurance, NRMA Home Plus Insurance will give your home and its extras like pools, garages and sheds the best care around. This policy offers underinsurance protection just in case you think you’ve valued your home incorrectly as well as a lifetime guarantee on authorised repairs. Plus, if you’ve managed to keep a good claims history, you’ll be able to access a no claims bonus.

Key features:

NRMA Home Plus Insurance has got everything under control by providing cover for 14 listed events that include fires, vandalism, impact or animal damage and much more. If you’ve got a garden and are proud of it, you’ll also be happy to know that NRMA Home Plus Insurance also covers your plants, tree or shrubs. Fusion and temporary accommodation are also covered under this policy.

If you’re planning any future renovations or ever need to rebuild your home, NRMA Home Plus Insurance also offers covers building materials and rebuilding fees. Lock replacements and debris removal are also covered under this policy along with funeral expenses and many other unexpected events your home may experience.

But to make your cover a little more personal, you also have the option to add accidental damage and pet cover to your policy just in case something goes wrong in your home or if anything happens to your cat or dog.

Who it's good for:

NRMA Home Plus Insurance is a good choice for anyone thinking of giving their home thorough protection against nearly everything. 



Any catches?

As NRMA Home Plus Insurance cover the cost of building materials, it’s important you know that you will only be able to receive is up to $5,000 if an insured event causes loss or damage to the materials.

If you do have plans for any major renovations, it might be a good idea to list this separately with your policy.


How is NRMA home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
NRMA home insurance
8.2

Based on 326
NRMA home insurance reviews

7.5 8.1 8.4 8.0 8.1

Latest reviews of NRMA Building Insurance

NRMA

NRMA home insurance review

Overall rating   0 / 10

Terrible insurer when you need them the most

When I didn't need them, they were quite good (no problem in taking my premiums) but as soon as I needed to make my first claim in over 10 years for my neighbour's tree that fell on my house, they were incompetent, rude and actively unhelpful.

Full review

When I didn't need them, they were quite good (no problem in taking my premiums) but as soon as I needed to make my first claim in over 10 years for my neighbour's tree that fell on my house, they were incompetent, rude and actively unhelpful.

    Value for money   0 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Taha (ACT), reviewed 4 months ago

NRMA

NRMA home insurance review

Overall rating   10 / 10

Very reliable

NRMA have been in the business a long time and I feel they are reliable and will help me if I need to claim.

Full review

NRMA have been in the business a long time and I feel they are reliable and will help me if I need to claim.

    Value for money   8 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Andrew (ACT), reviewed 4 months ago

NRMA

NRMA home insurance review

Overall rating   5 / 10

Shopping around for other providers

My insurance has gone up again so I am in the process of looking at other insurance companies to see if I can reduce my premium.

Full review

My insurance has gone up again so I am in the process of looking at other insurance companies to see if I can reduce my premium.

    Value for money   3 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Donna (NSW), reviewed 4 months ago

NRMA

NRMA home insurance review

Overall rating   9 / 10

Overall a good provider

The staff were very helpful when we took out our policy. We were given a discount for combining our policies and they gave us helpful information regarding items to include and also how to value our items. We feel safe with the knowledge that if a...

Full review

The staff were very helpful when we took out our policy. We were given a discount for combining our policies and they gave us helpful information regarding items to include and also how to value our items. We feel safe with the knowledge that if a disaster was to occur, we would be covered.

    Value for money   9 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Virginia (NSW), reviewed 4 months ago

NRMA

NRMA home insurance review

Overall rating   10 / 10

Excellent customer rapport, competitive premiums

I regularly look at different offerings and usually just renew annually until the year on year increase looks excessive. I considered NRMA on previous occasions but had experienced difficulty in obtaining a clear quote online or over the phone....

Full review

I regularly look at different offerings and usually just renew annually until the year on year increase looks excessive. I considered NRMA on previous occasions but had experienced difficulty in obtaining a clear quote online or over the phone. When insuring my boat, NRMA was a clear winner. Subsequently, I received a call to ask when my home insurance was due. When home insurance renewal time came round, I received a friendly call from NRMA, so different to when I was seeking a quote. The caller was very knowledgeable and asked pertinent questions, making suggestions and offering different alternatives along the way. The customer service officer wasn't at all pushy and I felt very comfortable with the dealing.

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

John (NSW), reviewed 4 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Buildings

  • Up to $5,000

  • Up to $2,000

  • sum insured

Events

  • Up to 15 years old

Policy and service features

  • 60

  • Up to 25% of sum insured

  • $100

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Up to $20,000,000

Other cover

  • Up to $10,000 for funeral

  • Reasonable cost

  • Up to 24 months

  • Up to 24 months

Buildings

  • Up to $1,000

  • sum insured

Events

  • Optional extra

  • Optional extra

Policy and service features

  • 60

  • $100

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Up to $20,000,000

Other cover

  • Up to $10,000 for funeral

  • Reasonable cost

  • Up to 12 months

  • Up to 12 months

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).

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