Comprehensive Plus is the highest level of cover we offer. Like the name suggests, it covers a wide range of insured events like car damage caused by fire, theft, weather and collisions. But unlike our Comprehensive Basics and Comprehensive policies, this level of cover automatically includes extras like a hire car after an accident and $0 excess on repairs to glass damage.
It also provides higher value limits for some areas of cover. For example, it covers up to $250 for a taxi fare (from the scene of an accident or authorised vehicle repairer) which is a higher limit than in our Comprehensive Insurance policy.
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 Plus 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.
No excess for glass damage
There’s no excess when you claim for glass damage only (like to your windscreen or windows).
Theft & vandalism
We cover your car if it’s stolen, vandalised, or damaged by someone trying to steal it.
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).
New replacement car
If your new car’s written off in its first three years, we try to replace it with a similar new car5.
Personal items
We cover personal items6 in your car if they’re stolen or damaged in an accident (up to $1,000).
Baby seats
We cover baby capsules and baby seats if they’re lost or damaged in an incident we cover (up to $500).
Ridesharing
We cover you if you occasionally drive your car for a ridesharing service like Uber8.
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.
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).
Taxi fare
We cover the cost of a taxi to get you home if your car can’t be driven after an accident we cover (up to $250).
Tools of trade
We cover your work tools if someone breaks into your car or locked toolbox7 (up to $1,500).
Your extras are included
Extras and mods like spoilers, alloy wheels and tow bars are automatically covered at no extra cost.
There are some things we don't cover
Roadside assistance
Get 24/7 help with breakdowns, batteries and more from NRMA*.
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 mandatory CTP Insurance.
Add these when you get a quote
Choose any repairer
Add an option to pick any licensed repairer to fix your car, including NRMA Partner Repairers.
They’ll give you 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.
All the inclusions of our Comprehensive Basics policy, but with the option to add on extras like $0 excess for glass damage, your choice of repairer and a hire vehicle after an incident.
Our Partner Repairers’ workmanship is backed by a lifetime guarantee
It only takes around 10 minutes to claim online and find your repairer
Our online discount could apply in your first year if you purchase a policy online9
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, even if they’re not listed.
If your car’s damaged and we decide it can be repaired, you can have it fixed by a Partner Repairer.
There are more than 400 Partner Repairers across Australia and we’ll help find one that's convenient for you. We’ll manage the repair process with them so you don’t have to worry.
If you've added the Any repairer option, 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.
With Comprehensive Plus Insurance we pay for a hire car if your car can’t be driven after any covered event.
If you’re in an accident caused by another driver, you need to be able to give us their name and address and we need to agree it’s their fault. We’ll pay for a hire car until your car’s repaired or we pay your claim as a ‘total loss’.
If your car’s stolen, we’ll pay up to $100 a day for a hire car. We’ll pay until your car’s found and repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).
If your car can’t be driven after any other event we cover, we’ll pay up to $100 a day for a hire car, until your vehicle’s repaired, or until we pay your claim as a ‘total loss’ (whichever’s first).
Apply online with NRMA* 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 a participating branch.
Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.
Comprehensive Plus has the following inclusions:
There are also some differences in the level of costs you’ll be covered for. For example, with Comprehensive Plus we’ll pay up to $100 per day for a hire car after an accident until your car is repaired or your claim is settled, whereas under Comprehensive cover we’ll pay up to $75 per day.
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.
