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Nrma car insurance online claims

Compare the policies on offer from NRMA car insurance

Finding the right car insurance policy is not only a matter of comparing the different cover options available, but also finding a car insurance brand that you know will provide the right support when you need it most. The company operates under Insurance Australia Group (IAG) in New South Wales, Queensland, Tasmania and Australian Capital Territory, but operates throughout Australia and New Zealand.

finder.com.au does not currently have access to this car insurance brand. You may wish to compare options available on the car insurance homepage.Find out more about NRMA Car Insurance
  • NRMA Car Company Background
  • NRMA Car Insurance Policy Options
  • How Much Does NRMA Car Insurance Cost?
  • NRMA Car Insurance Exclusions
  • Paying for NRMA Car Insurance

NRMA Car Company Background

NRMA Insurance is part of the Insurance Australian Group. It has a presence not just across Australia, but also in New Zealand and the United Kingdom. IAG is a diversified insurance group that operates in Australia, New Zealand, the UK and Asia. The Group operates some of the most well-known insurance brands in Australia, like NRMA Insurance, Swann Insurance, SGIC, SGIO and CGU.

The National Roads and Motorists’ Association (NRMA) was responsible for setting up NRMA Insurance. It was set up to offer insurance to members located in the Australian Capital Territory and New South Wales. With time, the company started offering a wide range of insurance products. In New South Wales, the company supports the NSW State Emergency Service.

In 1995, NRMA Insurance began operating in Queensland with the aim of providing people with an alternative car insurance option that offered insurance products at a competitive rate.

Today, besides providing a wide range of car insurance products, NRMA also offers other types of insurance products. Some of the products offered by NRMA Insurance include:

  • Car insurance
  • Motorcycle insurance
  • Home insurance
  • Business insurance
  • Boat insurance
  • Caravan insurance
  • Travel insurance
  • Life insurance
  • Income protection
  • Bicycle insurance

These products are available in New South Wales, Queensland, Australian Capital Territory and Tasmania.

NRMA Car Insurance Policy Options

NRMA Insurance offers a wide range of car insurance policies to suit practically every kind of car owner. Each insurance option comes with its own set of benefits to consider against your cover requirements. Every car insurance offered by NRMA comes with a wide range of cover options with some benefits only available on NRMA policies.

Comprehensive Car Insurance:

If you want cover against accidental damage, theft, flood, storm, fire or malicious damage, the NRMA Comprehensive Car Insurance policy is ideal. With this policy, you will automatically get cover for certain extras that usually are not covered by other insurance companies. These extras include sunroofs, alloy wheels and custom sound systems.

The insurance comes with flexible excess, so you can easily reduce your premium amount. The insurance covers any other driver who drives your car and also offers lifetime guarantee for the workmanship that is performed under authorised repairs.

This policy is available for as little as $1.75 a day and provides cover for the following events:

  • Fire
  • Theft
  • Accidental damage
  • Flood and storm
  • Malicious damage
  • Emergency repairs
  • Liability cover
  • Automatic cover for extras, including sunroofs and airbags
  • Hire of car in case your car is stolen or there was an attempted theft
  • New for new replacement in case your car is less than 2 years old and written off
  • The car hire is allowed for a period of 21 days to a value of $50 per day.

Third Party Property Damage Car Insurance:

This insurance offers cover in the event that you damage someone else’s property or car. It even covers damage that your car sustains due to an uninsured motorist. Having this insurance will give you peace of mind knowing that any damage to someone’s property or vehicle will be covered by your insurance and you will not have to dig into your coffers to pay for it. But, the cover will apply only if you adhere to all the terms and conditions of the insurance policy.


  • Cover for damage caused to another person’s car
  • Cover for damage caused to another person’s property
  • Liability cover
  • Cover for damage your car sustains due to an uninsured motorist, as long as you were not at fault

Third Party Fire and Theft Car Insurance:

The Third Party Fire and Theft Car Insurance from NRMA Insurance offers you cover for the damage you cause to someone else’s property or car. This cover is up to $20 million.

You will also be provided cover against theft and fire based on your cars market value or $10,000, depending on which amount is lower.


  • Cover for damage due to fire
  • Cover for attempted theft or theft of your car
  • Cover for damage caused to another car
  • Cover for damage caused to some other person’s property
  • Cover for damage your car sustained due to an uninsured motorist provided you were not at fault
  • Liability cover

Comprehensive Plus Car Insurance:

As the name suggests, the Comprehensive Plus Car Insurance not only offers all the protection that the NRMA’s Comprehensive Car Insurance offers, but also cover for certain additional services. This insurance covers anyone who drives the vehicle. An additional excess will be applied if the driver is less than 25 years of age or has less than 2 years of driving experience.

Cover provided:

  • While your car is repaired or your claim is settled, you will have unlimited car hire to a maximum of $88 per day
  • Towing and vehicle pickup and return
  • Taxi fare up to $250 if your car is undergoing repairs after an accident
  • Replacement of windscreen sunroof and glass
  • Fire and theft protection
  • Emergency repairs
  • Accidental damage
  • Liability cover
  • Flood and storm damage
  • Malicious damage
  • Hire car excess and bon of up to $3,000
  • New for new replacement in the event your car is written off within the first 2 years from the date of original registration

NRMA also offers loyalty discounts to long-term members.

Veteran, Vintage & Classic Vehicle Insurance

NRMA also offers specialist Veteran, Vintage or Classic Vehicle cover. The caveat is that you should use it just for recreational purposes. This insurance also covers motorcycles and scooters that are vintage or more than 15 years old.

When you opt for Veteran, Vintage & Classic Vehicle Insurance, you will receive cover for the following events:

  • Accidental damage
  • Damage sustained to the window glass and/or windscreen
  • Vandalism
  • Malicious damage
  • Theft, including attempted theft
  • Emergency repairs
  • Fire, flood and storm protection
  • Liability cover

If your car breaks down 100 km or more from your home, you will be able to get help in the form of travellers care

This insurance allows you to get cover for the value you agree that your vehicle is worth. Even if your vehicle is written off due to an accident and it was produced after 1981, you will have the option of retaining its ownership. You also will have a choice of repairers to choose from should your vehicle require repairs.

These are some of the NRMA car insurance products that you can choose from. You should also know that all NRMA car insurance products come with a lifetime guarantee for the workmanship, as long as the repairs are authorised by NRMA Insurance. The NRMA assistance helpline is also available 24/7.

How Much Does NRMA Car Insurance Cost?

The cost of NRMA car insurance is determined based on the likelihood of a claim occurring. NRMA Insurance takes into account several factors to calculate the cost of the premium. These factors include:

  • The kind of car you own
  • Where the car is usually kept
  • The age of the owner and the people driving the car besides the owner
  • The number of accidents or incidents you have had
  • The number and kinds of claims you have filed for

NRMA Insurance offers its customers a variety of discounts. You can be eligible for one or more discounts if you buy your car insurance from the company.

  • No Claim Discount: This discount is extended if you have comprehensive car insurance and do not file a claim.
  • Multi-Policy Discount: If you purchase car insurance in addition to other products and services from NRMA Insurance, you will be eligible for Multi-Policy Discount.
  • Years of Insurance Discount: This is a loyalty reward based on the number of years you have been buying insurance from NRMA Insurance and is given to customers who opt for Comprehensive Car Insurance.
  • Choice of Excess Discount: If you select a higher excess amount, you will receive a discount on your premium.

If you are eligible for any of the above mentioned discounts, the same will be deducted from your premium and the amount will be the cost of your NRMA car insurance.

NRMA Car Insurance Exclusions

Just like any other types of insurance, each policy will have its own set of exclusions for when a claim will not be paid. It is crucial to have a clear understanding of your exclusions prior to applying for cover. Some of the NRMA car insurance exclusions that you should be aware of include the following:

  • Loss or any damage that takes place outside Australia
  • The loss or damage is less than the excess
  • Claims filed for incidents that occurred after the expiration of the insurance
  • Tyre damage arising due to road cuts, puncture, braking and failure of mechanical, electrical, electronic or structure systems
  • Repairing old or previous damage
  • Regular wear and tear, rust, corrosion, erosion and deterioration

A claim will also not be paid if;

  • You intentionally damage or lose your vehicle
  • Your vehicle gets impounded, seized or destroyed by law enforcement agency
  • Your car gets damaged during war, civil unrest or any other type of hostilities
  • You use your vehicle to transport radioactive or nuclear material
  • Your car was involved in an act of terrorism
  • You fail to secure your car when leaving it
  • You were detained for driving under the influence of alcohol or drugs
  • You or the driver of the car was driving without a licence or with a cancelled or suspended licence
  • You were driving without having the right class of licence
  • You were involved in reckless driving or improper use of your car
  • Your car was towed illegally
  • Your vehicle was used in a race, car test or car contest

Paying for NRMA Car Insurance

When you buy NRMA car insurance, you have the option of paying your premium in a single lump sum every year or in monthly instalments. This instalment can be debited directly from your credit card or bank account.

If you decide to pay your premium annually, the date for the next payment will be stated on your certificate of insurance. In you decide to pay for cover in monthly instalments, the date for each instalment will also be mentioned on your certificate of insurance. That is why it is important to regularly review your certificate of insurance, so that you do not forget to pay for your insurance and prevent your policy from lapsing or getting cancelled.

Whether you miss your annual premium or monthly instalment, you will receive a written notice from NRMA Insurance informing you about the cancellation of your car insurance policy. The written notification comes just for the first monthly instalment and thereafter for any subsequent instalments that are not paid for one month after the due date, your car insurance will be automatically cancelled without you receiving a notice.

You also should know that if you do not pay your monthly instalment for 14 days after the due date, you will not be able to get a claim for any incident that occurred during those 14 days.

If your instalment is dishonoured, rejected or not received by NRMA Insurance, it will be considered as non-payment of the instalment. This is something you should be extremely careful about, especially if you have authorised NRMA Insurance to debit your credit card.


Comprehensive Car Insurance

NRMA Comprehensive Car Insurance covers your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Plus we cover the extras on your car like alloy wheels, sunroofs and custom sound systems.

Comprehensive Plus Car Insurance

NRMA Comprehensive Plus Car Insurance is our highest level of cover and gives you all the protection of our Comprehensive Car Insurance product with additional benefits such as excess-free windscreen, sunroof and glass cover. What's more, with NRMA Comprehensive Plus, you're never without a car. That's because we offer you the convenience of car hire up to $95 per day until your vehicle is repaired after an incident or your claim is settled.

Third Party Property Damage Car Insurance

At NRMA Insurance, we offer two levels of Third Party Car Insurance: Third Party Property Damage offers a basic level of protection covering you for damage you cause to someone else's car or property. It also covers damage to your car caused by an at fault driver for up to $5,000. Third Party Fire & Theft Car Insurance offers all the protection of Third Party Property Damage as well as additional fire and theft protection for your own car up to $10,000.

Third Party Fire & Theft Car Insurance

As with our Third Party Property Damage cover, NRMA Insurance Third Party Fire and Theft Car Insurance covers you for damage you cause to someone else's car or property up to $20 million.

However, with additional fire and theft protection for your own car up to a market value of $10,000, NRMA Insurance Third Party Fire and Theft is designed to give you extra peace of mind.

Veteran, Vintage or Classic Car Insurance

We will cover your veteran, vintage or classic vehicle for loss or damage if an incident we cover happens during the car insurance policy period. We will also cover you for Liability up to $20 million. Whether your pride and joy is a veteran (pre-1919), vintage (made between 1919 and 1930) or classic (15 years or older) vehicle, we can provide cover for its agreed value against accidental damage, theft, fire, storm, flood and more.

Why choose NRMA Car Insurance?

  • Automatic cover for modifications, options and accessories
  • Flexible excess levels to help reduce your car insurance premium
  • With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.
  • Experience - we've been insuring Australians for over 85 years
  • We cover anyone who drives your car***
  • Lifetime guarantee on repairs we authorise
  • 24/7 Helpline assistance
  • No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

*** Additional excess applies to drivers under 25 or with less than 2 years' driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products.


NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection, funeral insurance and security in NSW, QLD, ACT & TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

*National Roads and Motorists' Association Limited ABN 77 000 010 506 (the NRMA) is a separate & independent company from NRMA Insurance.

For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess & Discounts Guide.

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