NRMA Car Insurance Review | Cover, Features & Extras | Savvy

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NRMA offers a diverse range of car insurance options to Australian drivers. Read our review to learn more about their services!

Written by , updated on February 16th, 2024

The National Roads and Motorists’ Association, known and trading as NRMA, is a company specialising in roadside assistance and insurance, offering a range of products including car, home, travel and business policies. They’re backed by IAG and have taken over and absorbed SGIO and SGIC into their operations.

Find out more about NRMA and the products they offer by reading our review of their car insurance. Learn about their available policies, as well as their inclusions and optional extras, today!

Disclaimer: all coverage offered by NRMA is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact NRMA if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent NRMA for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

What car insurance policies are available through NRMA?

NRMA offers the following types of car insurance to Australian drivers:

Comprehensive

Third Party Fire and Theft

Third Party Property Damage

Compulsory Third Party

Comprehensive

Comprehensive car insurance provides the widest range of coverage options. NRMA's Comprehensive Car Insurance is available in three levels: Comprehensive Plus, Comprehensive and Comprehensive Basics, with specific coverage factors depending on which one you choose, as well as where you live. The following features and benefits may be included:

Accidental loss or damage to your car due to an accident, whether you’re at fault or not, or weather, such as storm and flood
Fire damage to your car
Theft, attempted theft or vandalism damage to your car
Liability for damage to other people’s property caused by your car up to $20 million
Reasonable cost of a rental car following a not-at-fault accident until your car is repaired or your claim is paid
Reasonable cost of a rental car following the theft of your vehicle for up to 21 days, $100 per day and $3,000 for bond or excess after damage to the hire car
Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after an accident or stolen
Reasonable cost of emergency repairs made to ensure your car is roadworthy (up to $800)
New car replacement in the event of a write-off of your new or demo model (up to a maximum of three years after your registration)
Loss or damage to your personal effects in the car due to accident or theft (up to $1,000 or the separate cost of child seats or baby capsules)
Loss or damage to your tools of trade in the car due to accident or theft (up to $1,500)
Cover for all legal accessories and modifications to your vehicle, including accessibility modifications
Cover for occasional ridesharing purposes
Reasonable cost of emergency transport or accommodation if you’re more than 100km from home and your vehicle is deemed unsafe to drive (up to a maximum of $1,500)
Up to $2,000 for the replacement and recoding of stolen keys and locks on your car
Lifetime repair guarantee from NRMA

Third Party Fire and Theft

Third Party Fire and Theft (TPFT) cover is a step down from Comprehensive but offers more protection than Third Party Property Damage. The following may be included in your NRMA TPFT Car Insurance policy:

Loss of, or damage to, your vehicle due to fire, theft or attempted theft (payouts up to a maximum of $10,000).
Liability for damage to other people’s property caused by your car up to $20 million
Reasonable cost of a rental car following the theft of your vehicle for up to 21 days
Reasonable cost of emergency repairs made to ensure your car is roadworthy (up to $800)
Damage to your vehicle caused by an uninsured motorist (up to $5,000)
Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after an accident or stolen
Cover for occasional ridesharing purposes
Reasonable cost of emergency transport or accommodation if you’re more than 100km from home and your vehicle is deemed unsafe to drive (up to a maximum of $750)
Reasonable cost of a rental car following the theft of your vehicle for up to 21 days, $65 per day and $2,000 for bond or excess after damage to the hire car
Lifetime repair guarantee from NRMA

Third Party Property Damage

The lowest level of optional car insurance cover, Third Party Property Damage (TPPD) Car Insurance is designed to offer protection to you against damage you might cause to other people’s property. NRMA’s TPPD Car Insurance can include the following:

Liability for damage to other people’s property caused by your car up to $20 million
Damage to your vehicle caused by an uninsured motorist (up to $5,000)
Cover for occasional ridesharing purposes
Lifetime repair guarantee from NRMA

Compulsory Third Party

CTP insurance (or Green Slip insurance in NSW) is mandatory in all states and territories in Australia. However, while some state governments offer this as part of vehicle registration, others have a list of approved insurers from which you can buy cover. In the case of NRMA, you can buy CTP insurance if you’re in NSW, SA or the ACT. Though the cover specifics can vary between states, these policies can include:

Medical expenses for the injuries sustained by you (regardless of fault) and other people due to an accident for which you were at fault
Lost income due to having to take time off work in recovery
Anyone driving your vehicle

Are there any optional extras available through NRMA?

Yes – NRMA offers several optional extras on their Comprehensive Plus and Comprehensive Car Insurance policies. These are:

Hire car after any covered incident, whether at fault or not (automatically included with Comprehensive Plus)
No excess on windscreen or window glass claims (automatically included with Comprehensive Plus)
Choice of repairer
No Claim Bonus protection, enabling you to make one at-fault claim without impacting your No Claim Bonus

What are some of the pros and cons of buying car insurance through NRMA?

More choice of policy: unlike most other insurers on the market, NRMA offers three levels of comprehensive cover on top of their TPFT and TPPD policies.
Cover for classic cars available: if you have a classic or vintage car, you may be able to purchase the specialist coverage you’re looking for through NRMA.
Choice of repairer: enabling you to choose from any licenced repairer gives policyholders further choice when it comes to getting their car fixed.

More expensive roadside assistance: NRMA’s Roadside Assistance is a separate product you’ll have to subscribe to, rather than be included in your policy, and is one of the more expensive on the market.
Coverage differences by state: not all areas of coverage are the same across Australia. For example, No Claim Bonus protection is available in NSW, but not SA.

Common questions about NRMA car insurance

Are there any discounts available through NRMA?

Yes – NRMA offers a Loyalty Discount to customers based on their time with the company and the number of eligible policies they hold. This can reach up to a maximum of a 25% discount, based on 25 or more consecutive years of insurance and ten or more eligible policies.

Can I choose between agreed and market value cover with NRMA?

Yes – you can choose between agreed and market value cover on car insurance policies with NRMA. Terms and conditions will apply to this, however, such as eligible payouts being capped at $10,000 for TPFT policies.

How can I make a car insurance claim with NRMA?

Through NRMA, you can submit your claim online or over the phone 24/7, as well as chat with consultants online. You can also call specialist numbers for claims relating to glass damage and classic, vintage and veteran cars.

In which states does NRMA operate?

You can purchase an NRMA car insurance policy in any state or territory in Australia aside from Victoria.

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.