NRMA - Home & Contents Insurance

NRMA Home & Contents Insurance Review

Rates and fees information correct as at 22 July 2018.

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:

  • No cover for death and injury

Mozo snapshot:

Grabbing the 2017 Experts Choice award for Exceptional Value Home and Contents Insurance, NRMA Home Insurance is a policy that’s got it all. Some of the features you can look forward to are 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. 

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 Home & Contents Insurance

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   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 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...

Full review

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   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Andrew (NSW), reviewed 8 months ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   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 want when I am making a claim

Full review

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

Less

Rob (NSW), reviewed over 2 years ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   8 / 10

Great all round

Great all round

Full review

Great all round

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Claims handling   8 / 10

    Trust   8 / 10

Less

Dean (NSW), reviewed over 2 years ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   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 different people as we have been trying to make a claim

Full review

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

Less

Sandra (ACT), reviewed over 2 years ago

NRMA

NRMA Home Plus Insurance home insurance review

Overall rating   10 / 10

Good provider over all areas.

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

Full review

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

Less

Clare (NSW), reviewed over 2 years ago

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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

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

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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