How do I make a claim with NRMA

If you wish to make a claim, you'll need to notify NRMA Home Insurance as soon as possible. You can make a claim online through NRMA's Self Service Centre, or you can phone 131 123 to lodge your claim over the phone. You'll need to provide your policy number, the address of the insured property and a police incident report number (if applicable). You must co-operate fully with NRMA Home Insurance and provide any information or documentation the company deems necessary to process your claim. It's also important to remember that you should never admit fault or attempt to settle a claim against you without NRMA's permission, but you must do everything possible to prevent any further loss or damage.

Do I have to pay an excess with NRMA home insurance?

When you make a claim under your NRMA Home Insurance policy, you'll need to pay an excess to contribute to the cost of your claim. Depending on your policy and the nature of your claim, you may have to pay more than one excess. The following excesses apply to NRMA Home Insurance policies: Basic Earthquake Special

Who is eligible for an NRMA home insurance policy?

Here's the key eligibility criteria for an NRMA home insurance policy: The type of home you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. Registered body corporate buildings and houseboats are not eligible. How you use the home you own. It must be your primary residence or holiday home. It's not suitable if your home is a business, such as a hotel or bed & breakfast. The condition of your home. The home needs to meet acceptable dwelling criteria; for instance, it must be secure, watertight, structurally sound and well maintained. It's not suitable for homes under initial construction or renovations that cost more than specified in the PDS.

NRMA Home Insurance Review

4.1 (71 reviews) Write a review

It has a good range of policy options to choose from.
Consider add-ons for your policy for more thorough coverage.

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 home insurance companies with finder.

Compare home insurance fast

What does NRMA home insurance cover?

NRMA comes with the following policy options:

Home buildings
Home contents
Home building and contents
Landlord insurance
Single item insurance

Here are some of the main events an NRMA home insurance policy can cover you for.

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Storms

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Fires

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Breakage of glass

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Theft

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Escape of liquid

It comes with a 21-day cooling-off period, which is standard among most insurers. This lets you cancel within 3 weeks of taking out a policy and you won't be charged, unless you make a claim. You'll also need to pay one of the following excesses, depending on what you're claiming for: basic, earthquake and special.

NRMA home insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

If an insured event like a storm, fire or theft occurs, NRMA home insurance can help reimburse you for the following and more:

Plants, trees and shrubs
Demolishing and removing debris
Funeral expenses

Keys and locks
Locating the cause of damage
Meeting building regulations

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Optional add-ons

NRMA has a fairly extensive range of optional add-ons to choose from. These include the following:

Accidental damage
Burn out of electric motors – fusion
Pet lover's pack
Valuable contents – inside your home
Portable contents

Exclusions

Like all insurers, there are some events you won't be covered for with NRMA. Your NRMA Home Insurance claim will not be paid in the following situations:

It is for rust, corrosion, depreciation or wear and tear
It is for erosion, tidal wave or mould
It is for subsidence or landslide, unless it's the result of an earthquake
It is for atmospheric conditions or extreme temperatures

It is caused by vermin or insects
It is caused by tree roots or tree lopping or felling
It is caused by acts of war or terrorism
It relates to the lawful seizure or confiscation of your home or contents

Make sure you read the NRMA home insurance PDS for a full list of exclusions. You can also find out more about what home insurance excludes here.

Our Verdict

It comes with a lifetime guarantee on the workmanship of authorised repairs to your home.
It's one of the few providers to offer single item cover if you just want to insure items like your phone or laptop.

It doesn't do much in the way of discounts or sign-up offers, unlike other insurers such as Budget Direct, St.George and Westpac.

NRMA home insurance complaints information

In the 2024-2025 financial year, AFCA received a total of 1,172 complaints about NRMA's home and contents insurance products. 535 of those were resolved at the registration and referral stage, giving NRMA a referral resolution rate of 45.64%.

Bottom line about NRMA home insurance

NRMA home insurance is good if you want a large insurer that's been around for a long time or if you want single item insurance, but there are insurers that offer bigger sign-up discounts elsewhere.

If you're not yet ready to take out a policy, you can compare other home insurance policies side-by-side here.

Frequently asked questions

If you wish to make a claim, you'll need to notify NRMA Home Insurance as soon as possible. You can make a claim online through NRMA's Self Service Centre, or you can phone 131 123 to lodge your claim over the phone. You'll need to provide your policy number, the address of the insured property and a police incident report number (if applicable).
You must co-operate fully with NRMA Home Insurance and provide any information or documentation the company deems necessary to process your claim. It's also important to remember that you should never admit fault or attempt to settle a claim against you without NRMA's permission, but you must do everything possible to prevent any further loss or damage.
When you make a claim under your NRMA Home Insurance policy, you'll need to pay an excess to contribute to the cost of your claim. Depending on your policy and the nature of your claim, you may have to pay more than one excess. The following excesses apply to NRMA Home Insurance policies:
- Basic
- Earthquake
- Special
Here's the key eligibility criteria for an NRMA home insurance policy:
- The type of home you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. Registered body corporate buildings and houseboats are not eligible.
- How you use the home you own. It must be your primary residence or holiday home. It's not suitable if your home is a business, such as a hotel or bed & breakfast.
- The condition of your home. The home needs to meet acceptable dwelling criteria; for instance, it must be secure, watertight, structurally sound and well maintained. It's not suitable for homes under initial construction or renovations that cost more than specified in the PDS.

Compare other products from NRMA

Sources

NRMA home insurance reviews

If you've held or currently hold a NRMA home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if NRMA is right for them. Some reviews are from a survey commissioned by Finder.

Thank you for your feedback!

Written by

Cristal Dyer

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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3 Responses

Finder

SarahFebruary 14, 2024Finder

Hi Mark and Jean,

For a quote with NRMA, you can contact them directly on 132 132.

Or, you can review some other options for home insurance here.

Best of luck!

HomeMay 9, 2016

How do I take out Domestic Workers Compensation Insurance for a one person household with occasional domestic cleaning assistance?

Finder

RichardMay 10, 2016Finder

Hi Home Owner,

Thanks for your question. You may contact NRMA Home Insurance directly about the specifics of their cover.

All the best,
Richard

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NRMA home insurance is good if you want a large insurer with over 90 years of experience but you won't find many sign-up offers or discounts.