NRMA Car Insurance

NRMA car insurance

NRMA is a provider of car insurance, CTP insurance, home insurance, holiday rental insurance, travel insurance, life insurance, income protection insurance, funeral insurance, and business insurance.

“It’s insurance, NRMAde better.”

Policy Options: What NRMA car insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Comprehensive Plus

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Coverage of accidental damage to your car caused by collision or crash, vandalism and malicious acts, earthquake, tsunami, storm, flood, explosion or fire, up to the agreed value.
  • Coverage of theft or attempted theft of your car.
  • All modifications, options and accessories on your car are automatically covered on agreed value policies, with total cover limited to the agreed value.
  • Windscreen, sunroof, and glass replacement without paying the basic excess.
  • New-for-new replacement if your car is stolen or written off within its first 2 years.
  • Tools of trade are covered up to $1,500 for business use vehicles.
  • Trailer or caravan attached to your car is covered for loss or damage up to $1,000.
  • Coverage for baby capsule or child seat up to $500 for each capsule or seat.
  • Towing after an accident is covered, as well as vehicle pick up and return.
  • Coverage of emergency repairs up to $800.
  • Taxi fares of up to $250 are covered to get you home from an accident or to and from your repairer.
  • Coverage of the cost of a hire car up to $95/day until car is repaired or claim settled.
  • Coverage of any hire car excess and bonds up to $3,000.

Comprehensive

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Coverage of accidental damage to your car caused by collision or crash, vandalism and malicious acts, earthquake, tsunami, storm, flood, explosion or fire, up to either the agreed value or market value.
  • Coverage of theft or attempted theft of your car.
  • All modifications, options and accessories on your car are automatically covered on agreed value policies, with total cover limited to the agreed value.
  • New-for-new replacement if your car is stolen or written off within its first 2 years.
  • Tools of trade are covered up to $1,500 for business use vehicles.
  • Trailer or caravan attached to your car is covered for loss or damage up to $1,000.
  • Coverage for baby capsule or child seat up to $500 for each capsule or seat.
  • Towing after an accident is covered, as well as vehicle pick up and return.
  • Coverage of emergency repairs up to $800.
  • Hire car after theft or attempted theft for up to $65/day for up to 21 days. Optional extra cover for hire car after other damage for up to $65/day for up to 14 days.
  • Optional extra cover to repair or replace windscreen, sunroof, or window glass without paying the basic excess.
  • $50 discount for buying insurance online (at the time of writing).
  • 10% discount if you have a fuel efficient car.

Third Party, Fire and Theft (“Intermediate”)

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Coverage of fire damage to your car, up to market value of $10,000.
  • Coverage of theft or attempted theft of your car, up to market value of $10,000.
  • Covers up to $5,000 if your vehicle is damaged in a crash with an at fault driver.
  • Coverage of the cost of a hire car after theft or attempted theft for up to $65/day for up to 21 days.
  • Coverage of hire car excess and bonds up to $2,000.

Third Party Property Damage (“Basic”)

  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Covers up to $5,000 if your vehicle is damaged in a crash with an uninsured at fault driver.
  • No cover for damage to your car if it’s your fault.
  • No cover for damage to your car caused by hail, storm or flood.

CTP (Compulsory Third Party) / Green Slip

  • Available in NSW and the ACT through NRMA Insurance, in SA through SGIC (NRMA partner), and in WA through SGIO (NRMA partner). Not available in Queensland or Tasmania.
  • You can now buy your CTP Green Slip using PayPal.
  • At-fault driver cover to protect you for certain serious injuries up to $300,000 if the accident is your fault.

Veteran, Vintage & Classic Vehicles

  • Specially-tailored policies to cover veteran (pre-1919), vintage (1919-1930), and classic (15 years or older) vehicles that are used 10 days or less per month, for hobby purposes or the occasional wedding hire.
  • Liability cover for damage to other people’s vehicles and property up to $20 million.
  • Coverage of emergency repairs.
  • Covers replacement of keys, locks and barrels.
  • Covers personal items inside car up to $500 for certain items.
  • Covers reasonable ttorage costs of car.
  • Covers reasonable cost of towing after an accident.
  • Covers trailer or caravan damage up to $500.
  • Covers the cost of repairing or replacing windscreen, sunroof or window glass.
  • Includes Traveller Care, covering the cost of accommodation up to $700, a hire car up to $100 per day for a maximum of 7 days and relocation fee of up to $165, and the cost of towing and transportation to the repairer, your home or the intended destination.

Transport Accident Insurance (TAI)

  • Covers pedestrians who are injured while travelling on public transport, and pedestrians who are injured by a vehicle, motorcycle, scooter, bicycle, train or ferry.
  • Protects against loss of income and certain living expenses while unable to work because of injuries.
  • Compensation for certain injuries.
  • Covers your death or the death of your spouse or your dependents aged under 18, for your choice of either $100,000 or $200,000.

Policy Benefits: Why choose NRMA

  • Loyalty: NRMA provides loyalty discounts the longer you stay with them.
  • No claims bonus: Your no claims bonus is not affected when you make a windscreen claim. Your no claims bonus also won’t change for the first claim you make in a policy year, even if the accident was your fault.
  • Online quotes: Get a quote online in minutes, and save $50 on your premium (at the time of writing).
  • Claims process: NRMA has a 24/7 phone helpline for claims.
  • Additional drivers: Policy is still valid if the driver in the accident is not a nominated driver listed on the policy. Additional excess applies to drivers who are aged under 25 or have less than 2 years’ driving experience.

About NRMA

NRMA Insurance was established in 1925 by the National Roads and Motorists’ Association, in order to provide car insurance to members in NSW and the ACT. In 1995, they added Queensland to the mix as well.

NRMA is the trusted insurer for millions of Australian drivers, and they employ 400 people in Queensland alone. Apart from your car, you can also insure your other vehicles: motorbike or scooter, bicycle, caravan, or boat.

You can download the NRMA Insurance App on the Apple iTunes Store or Google Play for Android.

NRMA is proud to have been among the first to provide CTP Green Slip insurance. Up until June 2013, NRMA Insurance was the only licenced provider of CTP insurance in the ACT.

NRMA is now part of the Insurance Australia Group (IAG), the largest general insurers in Australia and New Zealand. NRMA have created partnerships to provide car insurance in other states: with SGIC in South Australia, and with SGIO in Western Australia.

These days, many people know NRMA by their 2013 “We cover anybody who drives your car” TV ads, which included snippets with Pizza Guy, Moustache Guy, and the Brisbane Broncos.

How NRMA supports the community

  • Child car safety: NRMA data shows that more than 350 Australian children are killed every year (and 60,000 hospitalised) because of avoidable injuries in a car. Register with NRMA to receive your free child restraint safety check.
  • Research about road safety: The NRMA Insurance Research Centre tests what happens to different parts of a car when you have a crash, so that car manufacturers can improve their design for your safety.
  • Community grants program: Since 2003, NRMA has been supporting 150 Australian community organisations every year to make their communities safer and stronger.
  • Broncos: NRMA Insurance sponsors everyone’s favourite men in red – the Brisbane Broncos.
  • SES: Major corporate supporter of the NSW State Emergency Service (SES).

How NRMA supports the environment

  • 10% discount if you have a fuel efficient car.
  • Reduced carbon footprint by 30% since 2006.
  • Reduced carbon dioxide equivalent emissions by 5% per year since 2009.
  • Reduced water consumption.
  • Reduced electricity consumption by 16% in 2014 alone.
  • IAG Group is a signatory to the UN Environment Program’s Finance Initiative, meaning they have to report on how they are achieving benchmarks and regularly get feedback from stakeholders.

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 Written by: TJ Ryan