NRMA Car Insurance Review April 2021 | Finder

NRMA car insurance

Compare the policies on offer from NRMA car insurance.

4.2 ★★★★★ (15 reviews)

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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.

We don't currently have this brand on our panel. But don't fret! You can head to the NRMA website or compare a bunch of other car insurance companies with finder.

Compare car insurance fast

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
  • 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 $75 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 $100 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 bond 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.
  • Loyalty Discount: This discount is based on more policies you have and the longer you stay with NRMA 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.

How to cancel NRMA car insurance

To cancel your NRMA car insurance policy, log in to your account. From there, find your policy, select View policy, and scroll down to the Cancel policy section and select Request cancellation.

If you're looking for a new policy, you can compare car insurance policies side by side on Finder.

Compare car insurance now

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

53 Responses

    Default Gravatar
    AdamJuly 24, 2019

    how much is uber rideshare car insurance?

      Default Gravatar
      NikkiJuly 24, 2019

      Hi Adam,

      Thanks for getting in touch! NCRM covers uber rideshare insurance and it is included in their comprehensive insurance. When you take out a quote, simply select ridesharing when asked if you use your vehicle for business purposes and this add the cover in your policy.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


    Default Gravatar
    ShafiqJuly 6, 2017

    Hi. Please advice, are you doing ride sharing insurance with comprehensive insurance?

      Default Gravatar
      LiezlJuly 7, 2017

      Hi Shafiq,

      Thanks for your question. Just to confirm, you have reached finder -a comparison and information service and not actually NRMA.

      Yes, ridesharing cover is included in their comprehensive insurance. When you take out a quote, simply select ridesharing when asked if you use your vehicle for business purposes and this add the cover in your policy.

      I hope this has helped.


    Default Gravatar
    billMarch 14, 2017

    Buying a Toyota coaster motorhome 1995 lwb 1hz motor 6 cyl.
    How much for comprehensive insurance I am a pensioner

      Avatarfinder Customer Care
      ZubairMarch 16, 2017Staff

      Hi Bill,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually NRMA Car Insurance.

      To get a quote for motorhome insurance, you will need to contact NRMA Insurance directly. If you would like to compare policies from the motorhome insurance brand in our panel, please head to our motorhome insurance page.

      All the best,

    Default Gravatar
    judyDecember 12, 2016

    How much is comprehensive insurance for an under 25 yr old on a ford fiesta 2009?

      Avatarfinder Customer Care
      RichardDecember 13, 2016Staff

      Hi Judy,

      Thanks for getting in touch. NRMA Car Insurance is currently not part of the panel of insurers we compare. You will need to go to NRMA directly for a quote.

      All the best,

    Default Gravatar
    cathyDecember 8, 2016

    I pay my comprehensive car insurance monthly.If I ring to cancel it am I covered up until the next due date or is it cancelled from the date I ring up and I am refunded the difference?

      Avatarfinder Customer Care
      RichardDecember 9, 2016Staff

      Hi Russell,

      Thanks for getting in touch. You may be able to choose the end date of your cover when you cancel your policy. You may also be able to be entitled to a refund any unused premium of your current policy period.

      You will need to contact NRMA directly about this matter.


    Default Gravatar
    MicheleOctober 3, 2016

    I have just purchased a second hand caravan 1977 for 3300.00 do you do insurance for this sot of van

      Avatarfinder Customer Care
      RichardOctober 4, 2016Staff

      Hi Michele,

      Thanks for getting in touch. Finder is a comparison service and not an insurer. While NRMA is not part of the Finder panel of insurers, they do offer caravan insurance. You may want to read our caravan insurance guide to find out more about this type of insurance.

      All the best,

    Default Gravatar
    EmmaAugust 14, 2016

    My car was taken from my drive way one morning, I got out of the car pressed the buzzer to lock and walked towards front door, where I unlocked and walked in, little while later I started my house work open front door and seen my car was gone, I called police to report it, and about 40 mins later he rang back informing me my car had been in a accident and the driver was gone. I called NRMA and told them what had happened, and now after being accused of being the driver or paying someone to take my car, i have been left out of pocket and still don’t know whats happening with my now not so brand new car. is this unfair how i am being treated?

      Avatarfinder Customer Care
      RichardAugust 15, 2016Staff

      Hi Emma,

      Thanks for your question. Finder is a comparison service and we are not permitted to provide our users with personalised advice. If you believe you were treated unfairly by your insurer, you should contact your insurer and go through their dispute resolution process. If after going through this process you are still unhappy with the result, please get in touch with the Financial Ombudsman Service.

      You may also find the Insurance Law Service useful.

      I hope this was helpful,

    Default Gravatar
    SteveJuly 22, 2016

    just how genuine is the New for new replacement promise? My son bought a new car in 2015 which was written off. NRMA says there are no 2015 models available and want to pay out a lower market value. We have confirmed with the manufacturer that the 2016 model is EXACTLY the same as the 2015 model. Is it reasonable to say that because NRMA can’t find a 2015 plated model in 2016 that a payout is the only option. Why give a 2 year new for new promise if you only intend to replace a vehicle plated in the same year of purchase?

      Avatarfinder Customer Care
      RichardJuly 25, 2016Staff

      Hi Steve,

      Thanks for your question. is a comparison service and not an insurer and we are not permitted to provide our users with personalised financial advice. According to the NRMA product disclosure statement (PDS):

      New replacement vehicle

      If we [NRMA] agree to pay your claim as a total loss, then you may choose to replace your vehicle with a new one if all of these apply:
      • You bought your vehicle as a new or demonstrator vehicle
      • The incident we [NRMA] cover happens within 2 years from when your vehicle was first registered
      • Your vehicle’s tare weight is less than 2.5 tonnes.


      • To replace your vehicle with a new one that has the same make, model, engine size, equipment level and paint type if it’s available in Australia
      • To replace any of the following that apply to your vehicle:
      – modifications
      – options
      – accessories
      • The cost for 12 months registration and CTP insurance for the new vehicle.


      • Any credit provider noted on your current Certificate of Insurance must agree we [NRMA] can replace your vehicle
      • The new vehicle must be currently available in Australia
      • You need to give us the refund you get for your unused registration and any CTP insurance premium.

      All the best,

    Default Gravatar
    DobaleenaJuly 21, 2016

    I lent my car to an friend overnight to be returned next day. 3 weeks later can’t contact said friend and car has been recorded stealing fuel. Its comprehensively insured and police have been notified should I claim for full loss of vehicle

      Avatarfinder Customer Care
      RichardJuly 25, 2016Staff

      Hi Mr Dobaleena,

      Thanks for your question. is a comparison service. You should contact NRMA directly about claims information, which you can do by calling 131 123.

      All the best,

    Default Gravatar
    ShirleyJuly 1, 2016

    Can you please tell me why there is a cancellation fee charged? We had 3rd party insurance on our camper van which we sold today. Called NRMA to cancel the insurance and was told there was a cancellation fee of $30. I have never been charged this by any other insurance company and will certainly never insure a vehicle with NRMA again.

      Avatarfinder Customer Care
      RichardJuly 4, 2016Staff

      Hi Shirley,

      Thanks for your question.

      Early termination or cancellation fees are put in place by insurance brands to cover the administration costs they incur when a customer decides to end their insurance policy early. Unfortunately, this is standard across most car insurance brands. However, after going through the policy documents of the car insurance brands reviewed on Finder, it looks as though CGU is the only brand that doesn’t have a cancellation fee. You can review our car insurance homepage to learn more details about cancelling your existing policy.

      I hope this was helpful,

Go to site