NRMA Home & Contents Insurance

The details shown below are for the Home Plus Insurance

The details shown below are for the Home Insurance

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NRMA Home & Contents Insurance

NRMA Home & Contents Insurance

Mozo Review   NRMA Home & Contents Insurance Review

Last updated: 5 September 2018.

What's hot:
  • Multiple discounts

  • Lifetime guarantee on authorised repairs

  • New for old cover

What's not:
  • No cover for death and injury

Mozo snapshot:

NRMA Home Insurance is a policy that’s got it all, with features including a lifetime guarantee on authorised repairs, new for old replacement, plus discounts for maintaining a good claim history, and staying loyal to NRMA. Flexible excess levels is another feature you can expect with NRMA Home Insurance.


Key features:

NRMA Home Insurance prides itself on looking after your home and its additional features. Things like in-ground pools, fences and sheds are covered under the policy along with standard household items like furniture, clothes, bedding, other manchester and more. NRMA understands that life can be unpredictable, so they make sure you’ll receive cover if your home and contents ever suffer from events ranging from a storm and fires to vandalism.

However, if you still feel like you need a little more bang for your buck, NRMA Home Insurance can also provide cover for any additional extras you want added onto your policy. While you may have to pay a high premium for this, things like fusion, accidental damage to your home and contents can also be covered. If you’re a pet owner, NRMA offers a ‘pet lover’ pack, which will cover your best friend for veterinary costs.

You can also score a bunch of great discounts, including a loyalty discount and no claims bonus.

Who it's good for:

NRMA Home Insurance is a good choice for those who want a straightforward policy with the option to make their cover a little more personalised with optional add-ons.


Any catches?

While NRMA Home Insurance will ensure your electronic items are provided with the best standard of cover, it’s important you know that the policy will not cover the cost of reinstalling or replacing electronic files. 

If you would like these items covered, it might be a good idea to list them separately in your policy and to throughly read through PDS to be aware of any other exclusions. 

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.
Policy and service features
  • 60

  • Yes - Up to 25% of sum insured

  • $100

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Up to 90 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events
  • Up to 15 years old

Buildings
  • Up to $5,000

  • Up to $2,000

  • Up to sum insured

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

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.
Policy and service features
  • 60

  • $100

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Up to 90 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events
  • Optional extra

  • Optional extra

Buildings
  • Up to $1,000

  • Up to sum insured

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

Customer Reviews

How are NRMA home insurance rated by the Mozo community?

Overall customer rating
8.1/10
Value for money
7.5/10
Policy coverage
8.0/10
Customer service
8.3/10
Claims handling
7.9/10
Trust
8.1/10

Latest reviews of NRMA Home & Contents Insurance

  • Overall
    1/10
    Terrible claims management - 12 month battle

    In 2015, a massive hailstorm blocked all my roof gutters and sent a torrent of water through my...

    In 2015, a massive hailstorm blocked all my roof gutters and sent a torrent of water through my ceiling. Initially NRMA were quick to respond, but when the repairers they used created problems - a foul stench that could not be cleared - it took OVER 12 MONTHS to get them to sort it out during which time one bedroom was totally unusable. Over and over again, they dropped the ball. I had to chase them literally dozens of times. They must have spent thousands of dollars trying determine to cause of the smell, instead of just stripping back the paintwork and starting again like I asked. In the end, they commissioned a "forensic engineer" who drew a blank, until I sent him a link to a UK website where they described exactly this scenario and exactly what to do about it. FINALLY he agreed to amend his report to recommend they repaint. Problem solved. But I will never ever get home insurance from NRMA Insurance again.

    Value for money
    4/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Andrew | New South Wales

    reviewed over 1 year ago

  • Overall
    9/10
    Great customer service and claims resolution

    Resolve claims hassle free and quickly. I have not had any issues with NRMA, which exactly what I...

    Resolve claims hassle free and quickly. I have not had any issues with NRMA, which exactly what I want when I am making a claim

    Value for money
    4/10
    Policy coverage
    8/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10

    Rob | New South Wales

    reviewed about 3 years ago

  • Overall
    8/10
    Great all round

    Great all round

    Great all round

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

    Dean | New South Wales

    reviewed about 3 years ago

  • Overall
    7/10
    Great until you have to make a claim

    We have Llandlords home and contents insurance and we are being told different things by...

    We have Llandlords home and contents insurance and we are being told different things by different people as we have been trying to make a claim

    Value for money
    7/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    4/10
    Trust
    6/10

    Sandra | Australian Capital Territory

    reviewed about 3 years ago

  • Overall
    10/10
    Good provider over all areas.

    My dealings with NRMA have always been excellent, a claim I lodged was dealt with quickly and...

    My dealings with NRMA have always been excellent, a claim I lodged was dealt with quickly and efficiently.

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

    Clare | New South Wales

    reviewed about 3 years ago

NRMA

About NRMA

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