NRMA - Contents Insurance

NRMA Contents Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Experts Choice winner

  • Multiple discounts

  • Lifetime guarantee on authorised repairs

  • New for old cover

What's not:

  • Limits on higher value items

Mozo snapshot:

Winning a 2017 Experts Choice award for Exceptional Quality Contents Insurance, NRMA Home Plus Insurance has over 90 years experience when it comes to making sure your contents are given a fantastic standard of care. Not only does the policy offer new for old replacement for your belongings, you’ll also be able to score a no claims bonus if you’ve got a good claims history, plus a loyalty discount and underinsurance protection.

Key features:

NRMA Home Plus Insurance has got you covered when it comes to making sure your belongings are well looked after. You’ll be able to receive cover for your furniture, electrical items, clothes and shoes along with other household items that make up your home. One of the benefits of NRMA Home Plus Insurance are the added extras attached to the policy that give you a more intense level of cover for your contents. Events like identity or credit card theft, temporary accommodation and fusion are also covered.

Plus, you won’t ever need to worry if your contents are stolen by thieves, damaged or destroyed in a fire, flood or storm and 10 other unexpected events, as NRMA Home Plus Insurance has got you covered there too. But if you still feel like that’s not enough cover for your contents, you also have the additional option to increase the cover in your policy. Depending on your needs, you can add away from home cover for a laptop or luggage item, accidental damage to your contents and pet protection, which will cover your pet’s veterinary expenses if they ever fall ill or are injured in an accident. 

However it is impossible for a policy to cover everything and you should know that NRMA Home Plus Insurance does not cover uncut gems, any plants or trees, building materials, stock and inventory and other items that may be in your home.  


Who it's good for:

NRMA Home Plus Insurance is a great option for anyone who loves their stuff and wants to make sure they’ll be getting a high standard level of cover. 

Any catches?

While NRMA Home Plus Insurance aims to have your contents covered in nearly all events, there are limits to certain items. If you have expensive watches and pieces of jewellery lying around, you should know that you’ll only be able to receive $2,500 in total should anything happen to them.

Here it is recommended to list and insure these items separately in your policy if the items are valued higher than this amount.





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 Contents Insurance

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   8 / 10

Great service for everyone

NRMA are very good.

Full review

NRMA are very good.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

David (QLD), reviewed 4 months ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   8 / 10

Reasonably priced, great service

Have had no problems so far, always helpful, reasonably priced

Full review

Have had no problems so far, always helpful, reasonably priced

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   9 / 10

    Claims handling   -1 / 10

    Trust   -1 / 10

Less

Rachel (NSW), reviewed over 2 years ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   5 / 10

Don't lower premiums

I will be looking at other insurers as they seem to not worry about loyalty by lowering their premiums

Full review

I will be looking at other insurers as they seem to not worry about loyalty by lowering their premiums

    Value for money   4 / 10

    Policy coverage   4 / 10

    Customer service   8 / 10

    Claims handling   5 / 10

    Trust   8 / 10

Less

Mark (NSW), reviewed over 2 years ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   7 / 10

Always good personal service.

Good service, no problems.

Full review

Good service, no problems.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

John (NSW), reviewed over 2 years ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   10 / 10

Good customer service.

Been with them all my working life, always looked after me.

Full review

Been with them all my working life, always looked after me.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Peter (NSW), reviewed over 2 years 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

Contents

  • Up to $1,250

  • Up to $5,000

  • Up to $2,500

  • Software only, up to sum insured

  • Optional extra

  • Up to $2,500

  • Up to $2,500

  • Replacement cost

  • Up to $5,000

  • Optional extra

  • Up to $5,000

Other cover

  • Up to $10,000 for funeral

  • Optional extra

  • Reasonable cost

  • Up to 24 months

  • Up to 24 months

  • Up to 24 months

  • Up to 60 days

  • Up to $5,000

Policy and service features

  • 60

  • Yes - Up to 25% of sum insured

  • $100

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Up to 15 years old

Contents

  • Up to $1,250

  • Up to $1,000

  • Up to $2,500

  • Software only, up to sum insured

  • Optional extra

  • Up to $2,500

  • Up to $2,500

  • Replacement cost

  • Optional extra

  • Up to $5,000

Other cover

  • Up to $10,000 for funeral

  • Optional extra

  • Reasonable cost

  • Up to 12 months

  • Up to 12 months

  • Up to 12 months

  • Up to 60 days

Policy and service features

  • 60

  • $100

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Optional extra

  • 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).

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