Comprehensive Plus Car Insurance

Our highest level of car insurance

NRMA Comprehensive Plus Car Insurance 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.

Do you drive for a ridesharing service like UberX?

We're making ridesharing insurance easy by including it in our car insurance products.

• Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing


• Existing customers, please call us on 132 132 so we can update your policy

What's covered?

• Collision or crash


• Accidental damage


• Theft or attempted theft


• Vandalism or a malicious act


• Vehicle pick and return


• Storm


• Fire


• Flood


• Earthquake


• Explosion


• Tsunami

• Automatic cover for modifications, options and accessories


• Windscreen, sunroof and glass replacement


• Emergency repairs up to $800


• Car hire up to $95 per day until your car is repaired or your claim is settled


• Hire car excess and bonds up to $3,000


• New for old replacement if your car is written off in its first 2 years


• Taxi fares up to $250 to get you home from an accident or to and from your repairer


• Damage to someone else's car or property up to $20 million


• Tools of trade up to $1,500 (business use vehicles)


• Towing

Why choose NRMA Insurance?

• You're never without a car


• We cover anyone who drives your car^*


• Car hire up to $95 per day until your car is repaired or your claim is settled


• Taxi fares up to $250 to get you home from an accident or to and from your repairer


• Automatic cover for modifications, options and accessories^** 


• With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.


• Lifetime guarantee on repairs we authorise


• Flexible excess levels to help reduce your premium


• 24/7 Helpline assistance


• Experience – we've been insuring Australians for over 90 years


• No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

Important documents

Download the Product Disclosure Statement (PDS) and policy booklet

Download the Premium Excess and Discount Guide (PED)

*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.

**On agreed value policies, cover is limited to the agreed value. Cars must be roadworthy and registrable.

Frequently Asked Questions

How can I change my number plate details?
To change your number plate details: Log into...
I'm going overseas. How do I get an International Driving Permit?
You can apply for an International Driving Permit...
Do I have to tell you anything if I'm selling or have sold my vehicle?
If you've sold your vehicle and have Motor...
How do I change the car on my policy?
To change the car on your policy: Log into your...
What's a No Claim Bonus?
A No Claim Bonus (NCB) is a discount for..

NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection 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.

Visit our online terms and privacy & security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.

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