NRMA Car Insurance

NRMA is a provider of car insurance in Australia, as well as other products such as home, business and travel insurance. We have provided a summary of the car insurance cover available from NRMA below.

What types of car insurance does NRMA Insurance offer?

NRMA offers comprehensive insurance, third party property damage insurance, third party fire and theft insurance and vintage and classic car insurance, at the time of writing.

If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.

Below is further information on NRMA Insurance’s comprehensive car insurance product.

NRMA Insurance’s Comprehensive Car Insurance

NRMA Insurance offers two levels of comprehensive car insurance:

  • Comprehensive Car Insurance
  • Comprehensive Plus Car Insurance

NRMA Insurance’s Comprehensive Car Insurance includes cover for the cost of theft or damage caused to the insured car, as well as to other people’s vehicles and property, such as (at the time of writing):

  • Damage by severe weather (fire, storm and flood), excluding any embargo periods warning of a severe weather event
  • Towing to a repairer or safe place
  • Theft
  • Vandalism
  • New-for-old replacement if a car is written off in its first two years, providing it was new or a demonstrator vehicle when you bought it
  • Baby capsules and car seats (up to $500)

Optional extras (typically for an additional fee) in the Comprehensive Car Insurance level of cover include:

  • No Claim Bonus protection
  • Choose any licensed repairer to fix the car

NRMA’s Comprehensive Plus Car Insurance offers extra features, such as (at the time of writing):

  • A hire car
  • No excess for glass damage repair
  • Taxi fares (up to $250) if your car can’t be driven after an accident.

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NRMA Insurance Car Insurance FAQs

How to buy car insurance from NRMA Insurance

First, consider comparing comprehensive car insurance policies among a range of providers with Canstar to see if you can find a product that suits your needs.

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If you choose to go with NRMA Insurance, you can get a car insurance quote directly through its website or over the phone.

Does NRMA Insurance let you nominate a higher or lower excess?

You may be able to change your basic excess on Comprehensive and Comprehensive Plus insurance policies. The amount of excess varies according to the type of insurance and where the car is insured, and the driver of the vehicle at the time of the incident. All of its policies require payment of a basic excess, which is, for example:

  • NSW/ACT: $659
  • Tasmania: $450
  • Queensland: $600

For Comprehensive and Comprehensive Plus policies, you may be able to choose the amount of your basic excess, ranging from $0 to $2,000. Remember, generally the higher the excess, the lower the car insurance premiums will be and vice versa.

Other excesses may also apply, which may not be able to be adjusted. These include an age excess, if a driver is under 25 years of age or with no more than two years of driving experience; and special excess, which could be determined by the claims and driving history of the driver, the type of vehicle or other factors determined by NRMA Insurance.

Does NRMA Insurance let you choose between market and agreed value?

NRMA Insurance does let Comprehensive Insurance policyholders choose between agreed or market value when taking out a policy. For Comprehensive Plus policies, the only choice is agreed value. Some exclusions may apply. Check with NRMA Insurance for details.

If you’re not sure which of these options would be better for your vehicle specifically, here’s an article about market vs agreed value which could help you make up your mind.

How do you lodge a claim with NRMA Insurance?

You can lodge a claim with NRMA Insurance via an online form, web chat on its website or via phone. Once the claim has been lodged, NRMA states that it will inspect your car and agree on repairs. Then, you would book in for a repair with the nominated licenced repairer. Alternatively, NRMA may agree on a payout sum if the car is a write-off.

How do you renew your car insurance with NRMA Insurance?

You can renew your car insurance with NRMA Insurance by:

  • Visiting its website and logging in to your account
  • Using the express online renewal service
  • Paying with BPAY via your online bank account
  • Over the phone, using a credit card (Visa or Mastercard)
  • At any Australia Post Office
  • Visiting an NRMA branch
  • Completing the payment slip on your policy document or renewal notice and posting it to NRMA.

Consider comparing car insurance policies before simply renewing the same policy, to help ensure you can continue to get the cover you need as well as value for money.

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NRMA Insurance provides car insurance products issued by general insurer Insurance Australia Group (IAG), which also operates CGU, SGIO, SGIG, WFI and Swann Insurance.

About NRMA

In 1920, the NSW branch of the National Roads Association (NRA) was established and by 1923 it became the National Roads and Motorists’ Association (NRMA), with the primary goal to improve road conditions for motorists.

According to NRMA, nearly 3 million customers in NSW, Queensland, ACT and Tasmania use its products to insure their homes, vehicles, businesses, motorcycles, boats, pets and travels.

The NRMA’s motorist association and NRMA Insurance are now two different companies. In 2000, NRMA demutualised, and NRMA Insurance was formed alongside NRMA Motoring and Services.

About IAG

Beginning as a motor vehicle insurer in NSW, IAG has grown to become the parent company of a general insurance group operating in Australia and New Zealand. According to IAG, the company underwrites about $12 million of premiums a year, across all of its insurance categories and businesses.



This content was reviewed as part of our fact-checking process.

Written by: Amanda Horswill | Last updated: October 1, 2021