NRMA Insurance Review: Everything You Need To Know

NRMA Insurance Review

The NRMA insurance (National Roads and Motorists Association is an Australian organization offering roadside assistance, advocacy for motorists and road users, motoring advice, car servicing, international driving permits, travel and other services in New South Wales and the Australian capital territory.

It is a member-owned mutual company limited by guarantee. This means that it does not typically have shareholders or share capital and has members whose personal liability is limited to the amount they agree to contribute towards the debt of the company.

The NRMA was launched on 4th February 1920 with John Christian Watson as its first president, and it was formerly called the Australian National Roads Association. The NRMA insurance is one of Australia’s largest member operations providing a range of services for their members and the community. NRMA insurance company has about 2.6 billion members, and its headquarters is located in Sydney Olympic Park, New South Wales, Australia.

In 1925, the NRMA insurance was formed with the aim of not only providing road service, but to obtain “reasonable and just legislation” to fund and improve roads. It was also aimed at “covering everything necessary for the advancement and protection of motorists in all circumstances”. This includes exclusive member discounts on products and services including New South Wales roadside assistance, car servicing, car loans, driver training, batteries and windscreen replacement.

The NRMA comprehensive car insurance covers your car for accident damage, collision or crash, severe weather, theft, vandalism and malicious acts.

What NRMA Insurance Covers?

The NRMA insurance now offers a range of insurance in New South Wales, Queensland, the Australian Capital Territory and Tasmania, including:

  • NRMA car insurance,
  • NRMA motorcycle insurance,
  • NRMA home insurance,
  • NRMA business insurance,
  • NRMA travel insurance,
  • NRMA income protection insurance,
  • NRMA boat insurance,
  • NRMA caravan insurance and life insurance,
  • NRMA landlord insurance and comprehensive car insurance.

• NRMA Car Insurance

The NRMA car insurance covers your car for accidents and other unfortunate events such as thefts, storms, fires and storm damage.

The comprehensive car insurance package comes with the following perks:

  • Damage from car accidents.
  • Damage if you cause an accident.

However the third party Car insurance does not cover for the damage from a car accident, but for the damage incurred if you cause an accident.

Why NRMA Car Insurance?

  • You Get a car insurance quotes in just a few minutes–just tell NRMA about yourself and your car
  • Automatic cover for modifications, options and accessories
  • Flexible excess options
  • With the Loyalty Discount, the more eligible policies you have and the longer you stay with them, see how much you could save1
  • Experience – they have been insuring Australians for over 90 years
  • NRMA Insurance cover anyone who drives your car 
  • Lifetime guarantee for the workmanship of all authorized repairs, for as long as you own the car
  • 24/7 Helpline assistance
  • No Claim Bonus – you could get a No Claim Bonus up to 60% on your new policy

• NRMA Home Insurance

The NRMA home insurance covers the damage incurred when your home is destroyed by an incident covered by the NRMA.

If the home is damaged and the insurer can’t live in it, the NRMA arranges houses for up to a year.

Household contents and some personal belongings are also replaced to an extent.

• NRMA Single Item Insurance

This is the type of insurance that covers personal items such as laptops, televisions, mobile phones, etc.

Here the person gets to choose the item which he / she wants to insure with the NRMA insurance company and the item is replaced upon loss.

• NRMA Landlord Insurance

This type of NRMA insurance covers rental property. It covers losses incurred when:

  • Tenants stop paying rent, Lost rent during repairs, Furniture and furnishings.

It however does not take account of the plants and animals in the house.

• NRMA Travel Insurance

The NRMA Travel insurance covers the cost of losses and damages incurred during travels.

It is divided into two: International travel insurance and Domestic travel insurance.

NRMA International Travel Insurance: This type of insurance covers overseas medical expenses, cancellations, rental car and personal effects for a limited time.

Domestic Travel Insurance: This type of travel insurance covers the following claims:

Trips canceled due to sickness, lost, stolen or damaged goods, excesses for stolen or damaged rental cars, luggage and personal effects.

• NRMA Security Insurance

This type of NRMA insurance ensures that the client is safe and well protected. The insurance provides services such as escort services and also installation of Home Alarm systems and CCTV cameras.

NRMA Green Slip (CTP)

A Compulsory Third Party (CTP) Green Slip is a must-have for NSW drivers. You need one before you can register your vehicle.

A Green Slip covers costs like medical treatment and lost income for people who need it after they are injured in a road accident.

A Green Slip doesn’t cover damage to your vehicle, other vehicles or property – only injuries.

When you get a Green Slip with NRMA, depending on the kind of vehicle you drive, they also give you Driver Protection Cover.

This is extra cover for you if you cause an accident and suffer certain serious injuries

Why NRMA Insurance?

With the above features, it can be seen that the NRMA insurance has really gone out of its way to secure the comfort and well-being of its clients, that’s probably the reason why it is one of the best Insurance companies in Australia

How To Pay For Your NRMA Insurance?

  1. Pay Through Call

Call 131 144 anytime with your policy number ready. They accept Visa or Mastercard.

  1. Pay At NRMA Branch Near You

Pay over the counter at your nearest branch. Remember, not all branches take cash payments, so check your branch before you go.

  1. Pay Via NRMA App

Make payments, update your details, and get reminders before a renewal is due.

Download the NRMA insurance app from the App Store or Google Play.

How To Cancel Your NRMA Insurance Policy

To cancel a NRMA insurance policy, log in to your account then:

Step 1: Find your policy and select View policy

Step 2. Scroll down to the Cancel policy section and select Request cancellation.

NRMA Insurance Login

Do you already have an account with NRMA Insurance ? Then you can make use of the NRMA login portal to access your account.

Benefits Of Logging Into Your NRMA Account

  • Instant access to your account
  • Download your Certificate of Currency
  • Lodge and track your claims
  • Update details when you want
  • Renew or make payments
  • Switch to email for your important documents

NRMA Insurance Contacts

Do you have a complaint and you want to voice it out? Contact NRMA phone number 131 144 anytime with your policy number ready.

NRMA Loyalty Discount

NRMA Insurance values their entire relationship with you. So, the more eligible policies you have and the longer you stay with us, see how much you could save.

The NRMA insurance calculator shows you how your Loyalty Discount is calculated.

The number of policies you have with NRMA and how many years of relationship you stayed with NRMA, then your discount will be shown to you.

Is NRMA Insurance Legit?

NRMA Insurance is part of the Insurance Australia Group. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address).

When making decisions about their insurance, consider the Product Disclosure Statement and Target Market Determinations.

NRMA Insurance provides car insurance, home insurance and travel insurance in NSW, QLD, ACT, TAS, SA, WA & NT plus business insurance, motorcycle insurance, boat insurance, caravan insurance, and security in NSW, QLD, ACT & TAS.

* National Roads and Motorists’ Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. “NRMA” provides Membership, the “my NRMA app” and other services.