Comprehensive insurance
Cover for your car and damage you may accidentally cause.
Cover for accidental loss
If you want cover against accidental damage, theft, flood, storm, fire or malicious damage, the Comprehensive Car Insurance policy is ideal.
Automatically get cover for certain extras, including sunroofs, alloy wheels and custom sound systems. The insurance comes with flexible excess, so you can easily reduce your premium amount. It covers any other driver who drives your car and offers lifetime guarantee for the workmanship that is performed under authorised repairs.
Members save on car insurance
Members save on car insurance
Save 5% – 25% off eligible insurance policies^ depending on your entire Policy Count and Years of Relationship.
What’s included
Frequently asked questions
What’s the difference between agreed value and market value?
If a learner driver uses my car, do I need to list them on my policy?
Who repairs my car if it’s damaged?
Do I get a hire car?
I’m going overseas, how do I get an international driving permit?
Other cover options to suit your needs
Now for the fine print
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. 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. To get a new replacement car, your car must weigh under 2.5 tonnes and it must have been a new or demonstrator vehicle when you bought it. NRMA Insurance don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle. Your tools are covered if you’ve told NRMA Insurance you’re using your car for your business, you’re registered for GST and you’re entitled to claim an input tax credit. You’re covered if you’ve told NRMA Insurance you’re using your own personal car for ridesharing and pay any extra premium. Only owners listed on the policy are covered when using the car for ridesharing. You can add No Claim Bonus protection if NRMA Insurance offer you a 60% No Claim Bonus*. NRMA Insurance calculate your No Claim Bonus based on your claims history and how long you’ve been driving (including any other policyholders). Cover is subject to standard underwriting guidelines and policy terms. For vehicles insured in NSW, QLD, ACT or TAS, an additional excess applies to drivers under 25 or with less than 2 years’ driving experience. For vehicles insured in SA, WA or the NT, there are additional excesses for undisclosed drivers, including for drivers under 25 or with less than 2 years’ driving experience. This page is for information only. For the most up-to-date details on what’s covered, check the NRMA Insurance website and Product Disclosure Statement.