NRMA Travel Insurance

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    NRMA has a long history of helping people and is one of the most trusted and experienced names in the Australian car insurance industry. They also do travel insurance, with cover for domestic and international travel.

    finder.com.au does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    What are my travel insurance options with NRMA?

    Here are your travel insurance options with NRMA:

    • Domestic Comprehensive Plan. Even if you're only travelling within Australia, you may still find yourself in need of assistance. Domestic Comprehensive insurance offers you a choice of cover for cancellations, rental car insurance excess, luggage and personal effects.
    • Domestic Cancellation Plan. You can also get cover for cancellations only. You can choose how much you want to be covered for and it lets you get your money back if you have to cancel your trip due to reasons beyond your control.
    • International Essentials Plan. Heading overseas is a costly endeavor, however that doesn't mean cover should be expensive too. International Essentials insurance takes care of cancellations, overseas medical, hospital and dental expenses, luggage and personal effects.
    • International Comprehensive Plan. If any trouble strikes on your adventure, you can rest easy with NRMA's International Comprehensive, covering you for everything from dental and medical emergencies, cancellations and lost luggage, personal effects and incidentals.
    • Multi-Trip Travel Plans. Planning more than one trip? If you're on the road throughout the year, Multi-Trip Insurance may be perfect for you. Available with the International and Domestic Comprehensive plans, Multi-Trip covers any trip taken within a twelve-month period.

    How do NRMA policies compare?

    Domestic Comprehensive Plan (Single or Annual Multi-Trip)Domestic Cancellation PlanInternational Essentials PlanInternational Comprehensive Plan (Single or Annual Multi-Trip)
    Overseas medical and dental expenses
    $10,000,000
    Unlimited
    Additional expenses
    $10,000
    Cover Chosen
    $10,000,000
    Unlimited
    Amendment or cancellation costs
    $10,000
    Cover Chosen
    Cover Chosen
    Cover Chosen
    Luggage and personal effects
    $8,000
    $3,000
    $12,000
    Travel documents
    $3,000
    $12,000
    Delayed luggage allowance
    $200
    $1,000
    Money
    $200
    Rental car insurance excess
    $3,000
    $4,000
    Travel delay
    $2,000
    $2,000
    Resumption of journey
    $3,000
    Special events
    $2,000
    Hospital incidentals
    $1,000
    $8,000
    Hijacking
    $2,000
    $8,000
    Loss of income
    $2,000
    $9,000
    Disability
    $10,000
    $25,000
    Accidental death
    $10,000
    $10,000
    $25,000
    Personal liability
    $5,000
    $1,000,000
    $2,500,000

    Table updated February 2021

    What won't be covered by my policy?

    General exclusions include:

    • Travelling when you know you are unfit or against medical advice
    • Failing to maintain a course of treatment while travelling
    • Death, illness or injury from an existing condition (unless covered by your policy)
    • Birth of a child or any pregnancy-related condition
    • Treatment at a spa, nursing home or any rehabilitation centre unless agreed by QBE
    • Excess medical charges
    • Any consequential loss or loss of enjoyment
    • A loss caused by or in connection with a criminal or dishonest act
    • Any loss caused by government intervention or regulation
    • Failure to take precautions after a public warning of strike, riot, civil commotion or natural disaster
    • Operating a rental vehicle in an illegal or dangerous manner
    • Credit card conversion fees and other bank charges

    What else can I add on to my cover?

    If you need extra cover, you can increase your policy cover with these additional options:

    • Cancel for any reason cover. This is available with the International Comprehensive, International Essentials and Domestic Comprehensive Plan. It lets you cancel for reasons not usually covered by the policy, including if you haven't had your leave approved at work, but want to book your holiday now, a friend or relative is in a nursing home or you've had an unexpected household expense which means you can no longer afford to travel.
    • Luggage item limits. NRMA prescribes maximum limits for the value of individual items like cameras, laptops, tablets, smartphones, and golf clubs. You have the option to increase these limits individually.
    • Premium luggage cover. If you've bought luggage items within the last 2 years and you provide a receipt, NRMA will not deduct depreciation from those items with this add-on.
    • Increase rental car insurance excess cover. You can increase the level of rental car insurance excess cover by $1,000.
    • Motorcycle/moped riding. If you plan to ride a moped or a motorcycle with engine capacity of 200cc or less you can pay an additional premium and get suitable cover.
    • Snow skiing, snowboarding and snowmobiling. Pay an additional premium and you can get cover for skiing and snowboarding on-piste.

    More about NRMA

    TThe Australian National Roads Association, which went on to become National Roads and Motorists' Association (NRMA), began operations in 1920. The original aim of the organisation was to achieve reasonable and just legislation for funding and improving roads. NRMA Insurance traces its origins back to 1925, and it reestablished itself as a private mutual company in 1926. It became a sub-agency of Lloyd's of London, and started offering household insurance alongside motor insurance cover.

    NRMA Motoring and Services and NRMA Insurance are now two completely independent bodies, with both agreeing to use the same name and brand.

    The formation of IAG came about as a result of the demutualisation of NRMA Insurance in 2000, and NRMA Insurance Group Limited rechristened itself as Insurance Australia Group Limited in January 2002.

    NRMA Insurance provides a range of insurance covers to its customers in New South Wales, Queensland, Australian Capital Territory and Tasmania.

    If you're considering turning to NRMA for travel cover, you can look forward to the following benefits:

    • Value for money
    • 24-hour emergency assistance
    • Global presence
    • Straightforward claims process
    • Wide range of plans

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    2 Responses

      Default Gravatar
      CherylSeptember 18, 2017

      Travelling to Bankok Singapore

        Avatarfinder Customer Care
        JoanneSeptember 18, 2017Staff

        Hi Cheryl,

        Thanks for reaching out to Finder.

        If you are looking to apply for a travel insurance with NRMA, you may directly visit their website to request a quote or to speak to a representative who can help with your insurance enquiries.

        Alternatively, you may compare policies from different brands from our Travel insurance for Singapore page. Simply enter your travel details and press “Get my quote”. Once you have chosen a particular cover, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with your application or get in touch with their representatives for further assistance.

        Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

        Cheers,
        Joanne

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