Living up to its name, our standard comprehensive policy covers a wide range of insured events like car damage caused by fire, theft, weather and collisions. Accidents happen, so with this policy, you’ll also be covered for damage your car causes to other people's vehicles and property.
Need flexibility? We can help with that too. Comprehensive comes with the option to add on extras like no excess for glass damage and your choice of repairer.
This is just a summary of the differences between NRMA car insurance levels of cover. Check our Product Disclosure Statement for specific terms, conditions, limitations and exclusions for each level of cover.
With an NRMA Comprehensive Car Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included.
Even if someone else drives your car1
Accidents
We cover your car in an accident, plus other cars and property if it's your fault.
Fire, storm & flood
We cover your car if it’s damaged by severe weather2.
Towing
We pay for towing to a repairer or safe place if your car can’t be driven after an event we cover (like an accident).
Theft & vandalism
We cover your car if it’s stolen, vandalised, or damaged by someone trying to steal it.
New replacement car
If your new car’s written off in its first two years, we try to replace it with a similar new car5.
Emergency repairs
We pay for repairs you need to make after an event we cover so your car’s secure and safe to drive (up to $800)6.
Baby seats
We cover baby capsules and baby seats if they’re stolen or damaged in an accident.
Ridesharing
We cover you if you occasionally drive your car for a ridesharing service like Uber9.
Accessibility modifications
We cover modifications to your car (like hoists, hand controls and wheelchair ramps). On agreed value policies, cover is limited to the agreed value. Call us on 132 132 to include accessibility modifications in your quote.
Personal items
We cover personal items7 in your car if they’re stolen or damaged in an accident (up to $1,000).
Tools of trade
We cover your work tools if they're stolen or damaged in an accident8 (up to $1,500).
Your accessories are included
Accessories and mods like spoilers, alloy wheels and tow bars are automatically included in the sum insured at no extra cost10.
Cover is different for Comprehensive Plus and Comprehensive Basics. Learn more about the levels, or read the Product Disclosure Statement (PDS).
There are some things we don’t cover
Roadside assistance
We don’t cover assistance for breakdowns, dead batteries or flat tyres.
Hire car running costs
We don’t cover costs for your hire car like petrol, tolls or a GPS.
Injuries to you or others
Injuries are covered by your Compulsory Third Party (CTP) Insurance.
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).
Choose any repairer
Add an option to pick any licensed repairer to fix your car, including NRMA Partner Repairers.
Hire car after any incident we cover
Add an option to get a hire car or alternative transport if your car can’t be driven after any incident we cover.
Optional benefits are different for Comprehensive Plus and Comprehensive Basics. Learn more about the levels, or read the PDS.
Choose from three levels of Comprehensive cover when you get a quote
Comprehensive Plus gives you premium cover. Most optional benefits are included – like $0 excess on glass damage claims. You also get higher limits on a hire car after any incident we cover, as well as on emergency repairs
If you don’t need everything that comes with our standard Comprehensive insurance, Comprehensive Basics could reduce the cost of your premium. You’re still covered for accidents, theft and weather incidents.
They’ll give you full details on limits, conditions, exclusions and more
Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.
Agreed value means you choose the amount to insure your car for (from a range we give you). This is automatic on our Comprehensive Plus policy, and optional on our standard Comprehensive policy.
Market value means we’ll work out how much your car is worth at the time you make a claim. To do that, we use things like local market prices, your car’s age, its condition, and any modifications or accessories. This is the only option for our Comprehensive Basics policy.
Take a look at our other Comprehensive Car Insurance policies.
Our entry-level comprehensive policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any extras.
Our highest level of comprehensive cover. It’s got all the basics plus optional extras like glass damage and choice of repairer automatically included. It also offers higher value limits for certain areas of cover, like daily car hire limits and taxi fare limits.
Agreed value means you choose the amount to insure your car for (from a range we give you).
Market value means we’ll work out how much your car is worth at the time you make a claim. To do that, we use things like local market prices, your car’s age, its condition, and any modifications or accessories.
You don’t need to list them on your policy unless they’re the registered owner of the car. We cover anyone who drives your car if they’re following the conditions of their licence.
If your car’s damaged and we are satisfied it can be repaired, you can have it fixed by a Partner Repairer.
There are Partner Repairers across Australia and we’ll help find one that's convenient for you.
If you've added the Any repairer option (available with Comprehensive and Comprehensive Plus), when your car’s damaged and we decide it can be repaired, you can choose any licensed repairer to fix it (including a Partner Repairer). If you choose someone other than a Partner Repairer, you might need to manage the repair process yourself. The Any repairer option is not available with Comprehensive Basics.
With Comprehensive and Comprehensive Plus Insurance policies, we pay for your transport if your car’s stolen or it can’t be driven because of an accident that’s not your fault. Transport includes:
We’ll pay up to $75 a day for your transport if you have Comprehensive, and up to $100 a day if you have Comprehensive Plus. We’ll pay for 21 days with Comprehensive or an unlimited number of days with Comprehensive Plus, until your car’s found and repaired, or until your claim is settled (whichever’s first).
With Comprehensive, you can also add an option to get a hire car if yours can’t be driven after any other event we cover (not just theft or an accident caused by another driver). If you add this option, we’ll pay up to $75 a day for your transport for 21 days, until your vehicle’s repaired, or until your claim is settled (whichever’s first). With Comprehensive Plus, the hire car option is automatically included with a daily limit of $100 for an unlimited number of days.
There is no hire car cover or option with Comprehensive Basics.
Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.
