NRMA Car Insurance

NRMA Car Insurance Review

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.

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.

Benefits:

  • 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.

Benefits:

  • 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.

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43 Responses to NRMA Car Insurance

  1. Default Gravatar
    Michele | October 3, 2016

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

    • Staff
      Richard | October 4, 2016

      Hi Michele,

      Thanks for getting in touch. finder.com.au is a comparison service and not an insurer. While NRMA are not part of the finder.com.au panel of insurers, they do offer caravan insurance. To find out more about caravan insurance, please head over to our caravan insurance article.

      All the best,
      Richard

  2. Default Gravatar
    Emma | August 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?

    • Staff
      Richard | August 15, 2016

      Hi Emma,

      Thanks for your question. finder.com.au 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, you can contact the Financial Ombudsman Service.

      You may also find the Insurance Law Service useful.

      I hope this was helpful,
      Richard

  3. Default Gravatar
    | July 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?

    • Staff
      Richard | July 25, 2016

      Hi Steve,

      Thanks for your question. finder.com.au 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.

      Covered

      • 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.

      Conditions

      • 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,
      Richard

  4. Default Gravatar
    | July 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

    • Staff
      Richard | July 25, 2016

      Hi Mr Dobaleena,

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

      All the best,
      Richard

  5. Default Gravatar
    Shirley | July 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.

    • Staff
      Richard | July 4, 2016

      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.com.au, it looks as though CGU are the only brand that doesn’t have a cancellation fee. You can review this information on the car insurance homepage.

      I hope this was helpful,
      Richard

  6. Default Gravatar
    Ronny | January 30, 2016

    My car is in a repair shop after damage sustained in an accident I now drive a hire car provided to me by my insurer , now I just got a puncture in sidewall and can’t be repaired will need new tyre will I have to pay for that or will my insurer do that

    • Staff
      Richard | February 2, 2016

      Hi Ronny,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. You will need to contact your insurer directly about these matters.

      All the best,
      Richard

  7. Default Gravatar
    Debbie | November 22, 2015

    If I bought a new car and insured it for 38,000 agree value and it was in an accident not my fault would you pay new for old value all the agree 38,000 dollars value question agent?
    Need to know this advice urgently thank you

    • Staff
      Richard | November 23, 2015

      Hi Debbie,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact NRMA claims about this matter by calling 131 123.

      I hope this was helpful,
      Richard

  8. Default Gravatar
    bindhu | October 24, 2015

    I have two car one 2013, other 2014, I am looking for together two car insurance

    • Staff
      Richard | October 26, 2015

      Hi Bindhu,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to receive a quote from one of the providers in our panel, please head to our car insurance home page.

      I hope this was helpful,
      Richard

  9. Default Gravatar
    | May 7, 2015

    Do I still have a current car policy with you? 

    • Staff
      Richard | May 8, 2015

      Hi Jack,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to contact NRMA about your car insurance policy, they can be reached by calling 13 11 22.

      I hope this was helpful,
      Richard

  10. Default Gravatar
    Debbie | March 9, 2015

    My car, building, contents is insured with NRMA so I get multi discounts on all items insured. If I make a claim on my car will this affect my other policy discounts?

    • Staff
      Richard | March 10, 2015

      Hi Debbie,

      Thanks for your question. Apart from the no claims bonus, making a claim shouldn’t affect the other policy discounts. For example, any claims you make will not affect your Loyalty Discount level. For more information, you may want to contact NRMA directly.

      I hope this was helpful,
      Richard

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