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NRMA Comprehensive car insurance can cover damage to your insured car from events such as collisions, fire, theft and weather, as well as damage your car causes to other people’s vehicles or property. The details depend on which NRMA tier you choose and the PDS and certificate that apply to your policy.
What NRMA Comprehensive car insurance covers
NRMA describes Comprehensive cover as protection for insured damage to your car from events including collision, fire, theft and weather, plus damage your car causes to another person’s vehicle or property. The policy’s insured-event wording, limits, conditions and exclusions determine whether a particular loss is covered. See NRMA’s explanation of Comprehensive cover and check your applicable PDS.
Comprehensive car insurance is optional cover for vehicle and property damage. It is separate from compulsory third-party (CTP) insurance, which addresses injury rather than damage to vehicles or property. Roadside assistance is also a separate product.
Examples NRMA addresses
- Theft: Theft is among the events NRMA says Comprehensive cover can insure, subject to the policy terms.
- Hail and other weather: Weather damage, including hail, may be covered as an insured event under the applicable policy wording.
- Scratches: Whether a scratch is covered depends on its cause and the policy terms. A claim may also involve an excess, so check the circumstances against your PDS.
- Another person driving your car: NRMA says permitted drivers may be covered. The certificate and policy wording determine who is permitted and whether additional excesses apply; an unlisted driver under 25 may attract an additional excess.
How NRMA’s three cover tiers differ
NRMA offers Comprehensive, Comprehensive Basics and Comprehensive Plus. They are not interchangeable: notable differences concern new-car replacement, hire-car arrangements and glass cover.
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| Feature | Comprehensive | Comprehensive Basics | Comprehensive Plus |
|---|---|---|---|
| New-vehicle replacement | Eligible new cars written off in their first two years may qualify, subject to conditions. | Not included. | Eligible new cars written off in their first three years may qualify, subject to conditions. |
| Hire car after an incident | NRMA describes a maximum of $75 per day, subject to conditions and policy wording. | No hire car. | NRMA describes a maximum of $100 per day, subject to conditions and policy wording. |
| Excess-free glass-only claim | Optional benefit described by NRMA; check the quote and PDS. | Optional benefit described by NRMA; check the quote and PDS. | NRMA says this benefit is included automatically; confirm the applicable terms. |
The new-vehicle replacement benefit depends on vehicle and policy eligibility, and on a replacement being reasonably available in Australia. The daily hire-car amounts are limits described by NRMA, not a guarantee that every claim or expense qualifies. NRMA says it does not cover hire-car running costs such as petrol, tolls or GPS.
Excesses and claims: what can change what you pay
NRMA says an excess usually applies to most claims. Whether one is payable, and how much, can depend on the event, fault, whether the responsible driver can be identified, and the excess settings on your policy. For example, NRMA identifies at-fault accidents, not-at-fault accidents where the other driver’s details are unavailable, and events such as hail as situations where an excess may apply. The insurer assesses the circumstances under the policy.
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Permitted drivers may be covered, but additional excesses can apply. An unlisted driver under 25 is one example NRMA identifies; check your certificate and PDS rather than assuming an additional excess will or will not apply.
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When comparing quotes, use the same vehicle, drivers, address, insured value, excess and optional benefits. Premiums are individualized, and the available policy information does not establish a general price or like-for-like value ranking.
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What NRMA Comprehensive does not cover
- Mechanical breakdown: Engine or mechanical failure is not covered by Comprehensive car insurance.
- Wear, age-related failure and maintenance: Ordinary wear and tear, age-related failure and routine maintenance issues are outside this cover.
- Roadside assistance: It is not included in the car insurance policy and must be considered separately.
- Injury claims: Injuries are handled separately through CTP insurance, not the vehicle-damage cover described here.
Optional features to check on your quote
Glass cover
NRMA describes an optional excess-free benefit for glass-only claims and says it is automatically included with Comprehensive Plus. Confirm the current PDS and your quote for the tier and terms that apply.
Choice of repairer
Choosing any licensed repairer is listed as an optional benefit. Without it, the policy’s repair process and terms govern how repairs are arranged; do not assume unrestricted repairer choice.
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- 【WIDE RANGE OF USES】: can store your bills, insurance cards, vehicle registration and other essential paperwork.
- 【SPECIAL GIFT】: beautiful sleek and trim design. This car document holder is a good gift for yourself, your lover, friends and family.
Which PDS applies to your policy?
NRMA lists its Car Insurance PDS dated April 2024 for policies that started from 21 April 2024 or renewed from 1 July 2024. It also lists a September 2023 PDS for earlier policy periods and warns that older policies may differ. Use the PDS and certificate for your own policy, rather than relying on a current summary for an earlier contract. The documents are available on NRMA’s car insurance policy-booklets page.
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Is NRMA Comprehensive a good choice?
The published features let you compare the three tiers, but they do not establish how satisfied customers are, how claims handling compares with other insurers, or whether NRMA offers the best value for a particular driver. To decide whether a tier fits, compare its benefits and exclusions with your needs, then obtain quotes using consistent details and review the applicable PDS, certificate, excesses and optional benefits.
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