As part of our 2023 Car Insurance Awards, our insights team compared over 1,000 quotes from 37 different comprehensive car insurance policies.
NRMA performed above average, with only 10 brands scoring higher. Here's how NRMA compares to some other car insurers.
Finder Score for car insurance
We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.
Read the full Finder Score methodology
NRMA offers comprehensive car insurance at a competitive price. While it's not a budget insurer, only 10 brands offered cheaper car insurance than NRMA. Take a closer look using the table below.
All the protection of Comprehensive, with extra benefits including a hire car as standard, if your car can't be driven due to an insured incident. Excess-free glass cover is also included, along with taxi fares of up to $250 if your car can't be driven after a covered accident.
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather. You'll also get a new replacement car if yours is written off within its first two years, tools of trade are covered up to $1,500 and emergency repairs are covered Up to $800.
This covers you for accidental damage to your own car, fire, theft and a few other benefits. It's a basic level of cover so the benefit limits are lower.
All the protection of Third Party Property Damage, plus cover for your car if it's stolen or catches fire. You'll also be able to claim for hire care costs after a theft or attempted theft. Be aware, theft and fire expenses are only covered up to $10,000.
A basic level of protection covering you for accidental damage to other people's cars or property. You're also covered for towing costs and any damage to your car if the accident was caused by an uninsured driver.
Mandatory for NSW motorists, you need CTP insurance before you can register your vehicle. CTP covers medical costs for people injured in road accidents. It doesn't offer any cover for your property or vehicle - only injuries.
The specific benefits of this bespoke cover depend on a vehicle's make and model, as well as any special features it might have. Cars can be covered for wedding hire, special occasions, hobbies or recreation, but not if you use it regularly or drive it more than 9,000km a year.
Do I still have a current car policy with you?
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
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?
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
How much to I have to pay the hail repairer ?
Hi Melissa,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. If you would like to speak with NRMA about an existing claim or for more information about its cover, you can reach them by calling 1300 126 837.
I hope this was helpful,
Richard
Is mechanical failure covered under comprehensive insurance?
Hi Amy,
Thanks for your question. According to the NRMA Comprehensive Car Insurance PDS, NRMA does not cover mechanical, structural, electronic or electrical failures.
I hope this was helpful,
Richard
Can I claim after my initial payment?
Hi Thontho,
Thanks for your question. You are covered from the start date of you policy. You may want to contact NRMA directly for assistance with your claim.
I hope this was helpful,
Richard