Comprehensive Plus Car Insurance from NRMA Insurance

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 will 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.
3. To get a new replacement car with Comprehensive or Comprehensive Plus following an incident we insure, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. 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.
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.

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.