Car insurance can help protect you against financial loss if your car is involved in an accident, gets stolen or catches fire – but it will depend on the cover you choose. The type of cover you decide on is up to you, and what suits your needs and budget. You can choose to take out cover for your own car, or just for damage your car causes to third parties. When deciding, be sure to read the Product Disclosure Statement (PDS) for a full list of inclusions, exclusions and optional extras.
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Millions of Australians rely on NRMA Insurance
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.
Damage from an accident
Damage if you cause an accident
Theft, storm damage, fire & flood
Taxi fare after an accident
$0 excess for glass damage
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.
Damage from an accident
Damage if you cause an accident
Theft, storm damage, fire & flood
Taxi fare after an accident
(Optional) $0 excess for glass damage
All the protection of our Comprehensive cover with additional benefits such as excess-free glass cover.
Damage from an accident
Damage if you cause an accident
Theft, storm damage, fire & flood
Taxi fare after an accident
$0 excess for glass damage
Hire car after any incident we cover
Cover for damage you cause to other people's cars or property in an accident.
Damage to your car if an uninsured driver causes an accident (up to $5,000)
Damage to other cars if you cause an accident
Towing to a safe place if an uninsured driver causes an accident
Damage to your vehicle if you cause an accident
Cover for your car if it's stolen or catches fire, and cover for other people's cars and property if you cause an accident.
Fire or theft (up to $10,000)
Damage to your car if an uninsured driver causes an accident (up to $5,000)
Damage to other cars if you cause an accident
Towing to a safe place if an uninsured driver causes an accident
Damage to your vehicle if you cause an accident
A Compulsory Third Party (CTP) Green Slip is a must-have for NSW drivers. You need one before you can register your vehicle.
Your injuries from an accident for up to 52 weeks regardless of fault
Other people’s injuries from an accident you cause
Part of your income if you need time off work to recover
Damage to vehicles or property
Motor Accident Injuries (MAI) Insurance is a must-have for ACT drivers. MAI Insurance pays for medical treatment for anyone injured in a road accident. You need MAI insurance before you can register your vehicle.
Your injuries from an accident regardless of fault
Other people’s injuries from an accident you cause
Damage to vehicles or property
A Compulsory Third Party (CTP) policy is a must-have for SA drivers. CTP Insurance pays for medical treatment if you injure someone in a road accident. You need CTP insurance before you can register your vehicle.
Other people’s injuries from an accident you cause
Your injuries – but you can make a claim on the other driver’s CTP Insurance if they’re considered partly or completely at fault
Damage to vehicles or property
Our cover for vintage and classic cars is bespoke, like your vehicle. Our cover will depend on the vehicle’s model, make and special features.
Call us so we can talk about your car and give you a quote.
Once you know what cover you’re after, you’re ready to get a quote. Here’s a summary of what you’ll need to tell us:
Let us know your car’s make and model, where it’s registered and its number plate.
Select the type of insurance you’re after, when you need the cover to start, and provide details about the condition of your car, what you use it for and where it’s usually parked.
We'll ask for your birth date, gender and some details on prior claims and driving history. We’ll also ask who else might drive your car regularly and whether you’d like roadside assistance.
Ready to learn more about electric vehicles (EVs)? Check out Changing Gears: The Road Ahead for EV Adoption in Australia – the first instalment of a two-part series that demystifies the electric mobility landscape and sheds light on Australian attitudes towards EVs. This report has been produced by market-research company Ipsos, on behalf of NRMA Insurance.
Car insurance premiums vary because we all have different circumstances and needs. For all the factors we consider, take a look at the Premium, Excess and Discounts Guide.
A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.
An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.
In Australia, every driver needs to have Compulsory Third Party Insurance, also known as CTP or Green Slip Insurance. In some states and territories, CTP is automatically included as part of the registration fee, but in others, you’ll need to purchase it separately.
Besides mandatory CTP, any other insurance you take out is entirely up to you. You can check the PDS for all the nitty-gritty details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.
Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.
