Comprehensive Car Insurance from NRMA Insurance

Comprehensive Car Insurance NRMA Quote

If you have roadside assistance,
you could save on car insurance*

Get a quote Not a member?

Comprehensive Car Insurance from NRMA Insurance* protects your car for accident damage, theft, severe weather, and more.

What’s included

✓ Accidents

Cover for your car in an accident, plus other cars and property if it’s your fault.

✓ Theft & vandalism

Cover for your car if it’s stolen, vandalised, or damaged by someone trying to steal it.

✓ Fire, storm & flood

Cover for your car if it’s damaged by severe weather1.

✓ Hire car after an accident or theft

NRMA Insurance can arrange a hire car if your car is stolen, or if it can’t be driven after an accident that’s not your fault2.

✓ Towing

Cover for towing your car to a repairer or safe place if it can’t be driven after a covered incident (like an accident).

✓ New replacement car

If your new car’s written off within two years since its first registration, NRMA Insurance try to replace it with a similar new car3.


✓ Emergency repairs

Cover for repairs NRMA Insurance agrees you need to make to your car after a covered incident so that it’s secure and safe to drive (up to $800).

✓ Personal items

Cover for personal items in your car if they’re lost or damaged in a covered incident (up to $1000)4.

✓ Baby seats

Cover for baby capsules and baby seats if they’re stolen or damaged in an accident.

✓ Tools of trade

Cover for your work tools if someone breaks into your car or locked toolbox5 (up to $1,500).

✓ Ridesharing

Cover if you occasionally drive your car for a ridesharing service like Uber6.

✓ Your extras are included

Extras and mods like spoilers, alloy wheels and tow bars are automatically covered at no extra cost.

Looking for even more cover? Learn about Comprehensive Plus Car Insurance from NRMA Insurance.

Get a quote

Already have a quote? Retrieve your quote online at NRMA Insurance

Optional extras

You can add these when you get a quote

+ No excess for glass damage

Add an option to avoid paying an excess when you claim for glass damage only (like to your windscreen or windows).

+ Hire car after any covered incident

Add an option to get a hire car for up to 14 days if your car can’t be driven after any covered incident.

+ Choose any repairer

Add an option to pick any licensed repairer to fix your car, including NRMA Insurance Partner Repairers.

Not included

✗ Injuries to you or others

Injuries can be covered by your mandatory CTP Green Slip.

✗ Hire car running costs

Running costs for your hire car like petrol, tolls or a GPS aren’t covered.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents:
Product Disclosure Statement, Premium, Excess & Discounts Guide

Have a question?

You don’t need to list them on your policy unless they’re the registered owner of the car. NRMA Insurance cover anyone who drives your car, even if they’re not listed7.

If your car’s damaged and NRMA Insurance decide it can be repaired, you can have it fixed by an NRMA Insurance Partner Repairer.

There are more than 400 NRMA Insurance Partner Repairers across Australia and NRMA Insurance will help find one that's convenient for you. NRMA Insurance will manage the repair process so you don’t have to worry.

If you've added the Any repairer option, when your car’s damaged and NRMA Insurance decide it can be repaired, you can choose any licensed repairer to fix it (including an NRMA Insurance Partner Repairer). If you choose someone other than an NRMA Insurance Partner Repairer, you might need to manage the repair process yourself.

Apply online and your International Driving Permit can be sent to you within five business days.

If you’re going overseas in less than five days, you can apply in person at selected Service NSW branches.

Things you should know

  1. NRMA Insurance may not cover you for some severe weather events during an embargo period (which is usually when NRMA Insurance know a severe weather event is about to occur). NRMA Insurance will tell you if there’s an embargo when you purchase your policy.
  2. NRMA Insurance pay for a hire car after an accident if they agree it was the other driver’s fault and you have their name, address and rego number. Policy coverage is not available for vehicles insured in SA, WA or NT with a Comprehensive Basics Insurance policy.
  3. To get a new replacement car with Comprehensive Plus following an incident we insure your vehicle must weigh under 3.5 tonnes, the incident resulting in total loss was within 3 years of the vehicles first registration and it must have been a new or demonstrator vehicle when you bought it. New vehicle must be reasonably available in Australia.
  4. NRMA Insurance don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle. This does not apply to Comprehensive Basics Insurance policy.
  5. Your tools are covered by Comprehensive and Comprehensive Plus if you can show us that you’ve been using your tools to earn income in your current business, and if they’re stolen, that they were locked in your car or a fitted toolbox. Tools are not covered by Comprehensive Basics
  6. You’re covered for limited hours if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Your average hours a week should be equal to or less than what is shown on your Certificate of Insurance (COI) for this use.
  7. Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25.
  8. Any discounts will be applied to Your Policy, only to the extent any minimum premium is not reached. When we determine Your Premium on renewal, we may also limit any increases or decreases in Your Premium by considering factors such as Your previous year’s Premium amount.

This page is for information only. For the most up-to-date details on what’s covered, refer to the Policy Documents available on the NRMA Insurance website and view the product page.

*National Roads and Motorists’ Association Limited ABN 77 000 010 506 acts as a referrer under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681, trading as NRMA Insurance which is separate and independent from National Roads and Motorists’ Association (NRMA). If you take out an insurance product with NRMA Insurance, it will pay NRMA a commission of between 2.5% and 5% of the premium (exclusive of government charges) for CTP policies, and $173 per Motor policy. The commission may also be paid on any variations to your policy and on renewal. NRMA may receive other remuneration in relation to the referral services NRMA provides. The commissions paid to NRMA are included as part of your premium. NRMA provides roadside assistance, "My NRMA" membership, the "My NRMA app" and other services. To see if a product is right for you, always consider the Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from nrma.com.au. Learn more about NRMA Insurance customer discounts. NRMA handles your personal information according to its privacy policy, available at www.mynrma.com.au/privacy-policy.

†Terms and conditions apply. Your roadside assistance or My NRMA membership could count towards an NRMA Insurance Relationship Discount if you held a longer Years of Relationship under the previous Loyalty Discount as at 20 April 2024. That longer Years of Relationship may be included in the Relationship Discount calculation for such period that the NRMA insurance relationship is maintained. You should refer to the Premium, Excess & Discounts Guide to determine the level of discount available to you. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When IAL determines your premium on renewal, IAL may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with IAL longer if a minimum premium is reached, or IAL has limited increases or decreases in your premium.