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 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.
Read the full Finder Score methodology
Finder Score for car insurance
We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.
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.
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
Hi there,
Does NRMA comprehensive insurance cover a rental car in the USA?
Thanks Martin…
Hi Marty,
Thanks for your question. Unfortunately, you will not be covered by your NRMA insurance while driving overseas. However, a travel insurance policy would cover you for driving while overseas. Please have a look at travel insurance guide to the USA.
I hope this was helpful,
Richard
Hi, I have a question about some information that was given to me by a friend and I just wanted to confirm if it is correct! I would like to know if NRMA has anything to do with SWANN INSURANCE? if they have a partnership?
Would really appreciate the feedback.
Thanks
Hi Natasha,
Thanks for your question. Both Swann Insurance and NRMA are part of the insurance group IAG.
Cheers,
Richard
Hi thank you for answering my question, but I am still not understanding. What do you mean by Swann and NRMA are part of an insurance group IAG?
Thank you
Hi Natasha,
IAG is a multinational insurance company, and both NRMA and Swann are subsidiaries. If you would like to read about the company history, check on IAG website.
I hope this was helpful,
Richard
Hi, I would like to ask that how much extra cost I have to pay if I upgrade my Comprehensive insurance with 14 days car hire to Comprehensive Plus Car Insurance with unlimited car hire option.
Looking forward to receiving your reply.
Hi Min,
Thanks for your question. Unfortunately, finder.com.au is a comparison website and so I am unable to give you a definitive answer as to how much it would cost to upgrade your policy. However, if you would like to get in contact with the NRMA, one of their consultants will be able to give you an answer.
You can contact them either by phone on 132 132 or via email by following this link and submitting your question on their contact us page.
I hope this was helpful,
Richard
I just got a car insurance policy which I chose to pay annually. Now I want to shift to the monthly payment. How can I know the monthly installment amount so that I can make a final decision.
Hi Susan,
Thanks for your question.
Unfortunately we don’t have access to any personal information related to NRMA accounts.
Please speak to the customer service team at NRMA Car Insurance to find out what your monthly payments could potentially be.
Cheers,
Shirley