Navigating Australian car insurance

Car insurance in Australia may be different to what you’re used to. We’re here to help you understand the different types of cover

Different types of insurance in Australia for you and your car

When choosing insurance, it’s important to understand what is (and isn’t) covered by different policies.

Compulsory Third Party Insurance

Compulsory Third Party (CTP) Insurance covers injuries that are caused in a motor vehicle accident. It is compulsory to drive vehicles on public roads in Australia. Not all states and territories operate the same way. For example, in SA & ACT, CTP insurance (or 'Motor Accident Insurance' in ACT) is paid directly to the road transport authorities at the same time as the registration fee.

In NSW, our Green Slip cover lets you choose to add additional insurance for further protection.

Third Party Property Damage Car Insurance

Third Party Property Damage is a basic level of car insurance that covers damage that you cause to someone else’s property like their car, fence or garage1.

Third Party Fire & Theft Car Insurance

Third Party Fire & Theft covers damage you cause to someone else’s property plus damage to your car if it's stolen or damaged by fire1.

Comprehensive Car Insurance

Comprehensive provides cover for your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts2. Plus, we cover the extras on your car like alloy wheels, roof racks and custom sound systems3.

Comprehensive Plus Car Insurance

Comprehensive Plus is our highest level of cover and gives you all the protection of our Comprehensive Car Insurance with additional benefits such as excess-free windscreen, sunroof and glass cover1.

Explore our insurance

Choose from our range of insurance and find the cover that’s right for you.

Roadside assistance

Millions of Aussies count on NRMA* roadside assistance for help with breakdowns, flat tyres, batteries and empty fuel tanks. Roadside assistance is available 24 hours a day, every day, Australia-wide, and there’s no limit to how many times you can call for help with NRMA.*

Learn more

What information do I need to provide to get a car insurance quote from NRMA Insurance?

There are 3 main things you will need to provide to complete an NRMA car insurance quote.

Information about your car  

You should have the following details ready:

  • The date you wish to start your car insurance policy 
  • Your car registration (number plate) or the year, make, model and series of your car
  • How far you drive your car.

How you use your car 

You will be asked:

  • Where you park your car 
  • Whether you use your car for business purposes
  • The finance on your car.

Your personal details

You can also add any additional drivers who may drive your car. You will need to provide information about:

  • Any previous motor claims you have made
  • Licence cancellations or suspensions.

Help with insurance in your language

Our in branch insurance experts and interpreter services are here to help in languages other than English.

Things you should know

  1. Policy limits, conditions and exclusions apply.

  2. Policy limits, conditions and exclusions apply. Vandalism or malicious acts must be reported to the police, and cover is up to the market or agreed value.

  3. Cover for modifications and extras is included in the market value. On agreed value policies, cover is limited to the sum insured. Car must be roadworthy and registrable.

*National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. “NRMA” provides Membership, the “my nrma app” and other services.

To see if a product is right for you, always consider the Product Disclosure Statement and Target Market Determinations available from nrma.com.au. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance, Level 13, Tower Two, Darling Park, 201 Sussex Street, Sydney NSW 2000.