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Comprehensive Car Insurance

Comprehensive Car Insurance in NSW starts from as little as $1.70 a day. For that we cover your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Plus we cover the extras on your car like alloy wheels, sunroofs and custom sound systems^. It also includes hire car cover for up to 21 days if your car's stolen.

Upgrade to our Comprehensive Plus Car Insurance for all the cover of our Comprehensive Car Insurance with extras including hire car, excess-free windscreen, sunroof, glass cover and more.

Do you drive for a ridesharing service like UberX?

We're making ridesharing insurance easy by including it in our car insurance products.

  • Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing
  • Existing customers, please call us on 132 132 so we can update your policy

What's covered?

  • Collision or crash
  • Accidental damage
  • Theft or attempted theft
  • Vandalism or a malicious act
  • Storm
  • Fire
  • Flood
  • Earthquake
  • Explosion
  • Modifications, options and accessories^
  • Emergency repairs up to $800
  • Hire car after theft or attempted theft up to $65 a day up to 21 days
  • New for old replacement if your car is written off in its first 2 years
  • Liability cover up to $20 million
  • Tools of trade up to $1,500 (business use vehicles)
  • Towing
  • Tsunami

Optional cover

You can add options to your policy to increase your Comprehensive Car Insurance cover.

  • Hire Car: if your car is involved in an incident other than theft we'll pay the cost of a hire car up to $65 a day for up to 14 days
  • Windscreen: repair or replace your vehicle's windscreen, sunroof, or window glass without paying the basic excess
  • No Claim Bonus Protection: your No Claim Bonus won't change for the first claim you make in a policy year, even if you're the driver who caused the incident

Comprehensive Plus, our highest level of cover

NRMA Comprehensive Plus Car Insurance provides all the features of our Comprehensive Car Insurance, with additional cover to give you peace of mind.

Comprehensive Plus offers the following cover:

  • Hire car up to $95 a day until your car is repaired or your claim is settled
  • Excess-free windscreen, sunroof and window glass damage

Important documents

Download the Product Disclosure Statement (PDS) and policy booklet

Download the Premium Excess and Discount Guide (PED)

^ On agreed

value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.

** Additional excess applies to drivers under 25 or with less than 2 years' driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products.

  • Automatic cover for modifications, options and accessories
  • Flexible excess levels to help reduce your premium
  • With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.
  • Experience – we've been insuring Australians for over 90 years
  • We cover anyone who drives your car**
  • Lifetime guarantee on repairs we authorise
  • 24/7 Helpline assistance
  • No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history
CAR COMPREHENSIVE COLLISION CLAIM NRMAis rated4.2out of5by1585 . Rated5out of5byChrissy PfromGlad I'm with NRMA! My calls were answered promptly. The operators who took my calls were all easy to understand, informative and more than happy to help. Every dealing that I had with NRMA were both pleasant and professional - they really put my mind at ease. I highly recommend their services. Rated5out of5byAliSfromcar repairs suggested a preferred smash repairer close by. they were excellent. Once claim was processed, all taxis, hire car and paperwork was taken care of. Rated5out of5bygeson222fromExcellent Sevice !!! My comprehensive insurance claim was processed smoothly and quickly ! Rated5out of5byjonesyfrom claim settled promptly. Helpful and eficient staff. Rated5out of5byBurgofromExcellent Professional People and Service As a long time member I can't remenber my last acccident but NRMA assisted me throughout the process via phone and online as I had no idea what to do or expect. NRMA organised the tow and hire car and a week later everything was new again. Would especu ially like to thank the ladies onthe phone and the chat service online. Rated5out of5bydebtjwfromExcellent service and help. Evelyn, who took my claim, was wonderful and very helpful. Very easy to make a claim and everything was taken care of by NRMA, which I greatly appreciated. Rated5out of5bylouclairefromFAST and EFFICIENT Easy to make a claim, very friendly efficient staff, excellent repairer, excellent service at the NRMA recommended repairer, I will stay with NRMA simply because they are so reliable and efficient. Rated5out of5byTottofromProfessional Service Great to see that the NRMA will pursue this false claim against me. It gives me peace of mind.


Category: Auto Insurance

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