If you live in New South Wales, chances are you have seen the blue NRMA Insurance logo on car windows, shopfronts and billboards for as long as you can remember. NRMA Insurance is one of the biggest names in general insurance in this country, with roots going back to 1925. But many people are still unsure exactly what it covers, how to get a quote, or how to make a claim when something goes wrong. This guide walks through all of that in plain English. You can also visit the official NRMA Insurance website for the latest product details.
What is NRMA Insurance?
NRMA Insurance started in 1925 as the insurance arm of the National Roads and Motorists’ Association (NRMA). The insurance business later separated from the motoring club and today it is a brand owned by the Insurance Australia Group (IAG). Most policies are issued by Insurance Australia Limited. The company says it has more than 3 million customers across the country.
One thing that trips people up: NRMA Insurance and MyNRMA are not the same thing. NRMA Insurance sells insurance policies. MyNRMA (the National Roads and Motorists’ Association Limited) is a separate, independent company that runs roadside assistance, memberships and travel rewards. So if you want car insurance, you go to NRMA Insurance; if you want roadside help when your battery dies, that is MyNRMA.
What does NRMA Insurance cover?
NRMA Insurance sells a wide range of general insurance products. Here is what is on offer:
Car insurance
This is NRMA Insurance’s best-known product. There are three main levels:
- Comprehensive – covers damage to your car and other people’s property from accidents, plus theft, fire and weather events like hail. It also comes with extras such as a hire car after a not-at-fault accident (where the other driver’s details are provided) and a lifetime guarantee on authorised repair workmanship while you own the car.
- Third Party Fire and Theft – covers damage your car causes to other people’s property, plus fire and theft of your own car.
- Third Party Property Damage – the basic option; covers damage to other people’s property only.
Comprehensive Plus is a higher tier of comprehensive cover with extras such as agreed or market value choice, new-for-old replacement on brand-new cars, and $0 excess on windscreen claims.
Home insurance
Home cover comes in several forms:
- Building insurance – covers the structure of your house against insured events.
- Contents insurance – covers your belongings if they are stolen or damaged.
- Landlord insurance – for investment properties.
- Residential strata insurance – for strata-managed buildings.
Combined building and contents policies are available, and you can pay monthly, quarterly or yearly. NRMA says its combined cover can provide up to 12 months of temporary accommodation (up to a share of the building sum insured) if an insured event leaves your home unliveable.
CTP (compulsory third party) insurance
NRMA Insurance sells CTP green slip insurance in NSW, South Australia and the ACT (where it is known as MAI insurance). This is the mandatory cover you need to register a car.
Business, travel and other cover
Beyond car and home, NRMA Insurance also offers business insurance, travel insurance (single trip, annual multi-trip, domestic and international plans), motorcycle insurance, boat insurance, caravan insurance and trailer insurance.
How to get an NRMA Insurance quote
Getting a quote is straightforward and you do not need to buy anything at the end of it:
- Go to the NRMA Insurance website and choose the product you want (car, home, and so on).
- Enter your details. For car insurance, have your registration number or vehicle details, your garaging address, the names and licence details of regular drivers, estimated annual kilometres and your claims history ready.
- Choose your cover level and excess. A higher excess usually lowers the premium but means you pay more at claim time.
- Review the quote, check the Product Disclosure Statement, and adjust options such as windscreen cover or hire car until the price and cover suit you.
It is worth getting two or three quotes from different insurers before deciding. The cheapest premium is not always the best deal – check what is excluded and how the claims process works.
How to make a claim
If something goes wrong, you can lodge a claim online at any time. NRMA Insurance’s claims portal is open 24 hours a day, 7 days a week:
- Go to the NRMA Insurance website and open the claims section, or use the NRMA Insurance app.
- Choose the policy type – motor, property, caravan, motorcycle or travel.
- Describe what happened and upload photos and any supporting documents.
- Submit the claim. You can then track its progress online through the claims tracker.
For contents claims, NRMA can settle digitally – you can pick replacement items or receive vouchers and reimbursements through the portal. For motor claims, you can book an inspection and allocate a repairer online.
Tip: take photos of any damage as soon as it is safe to do so, and keep receipts for anything you buy in the meantime. Good records make the process faster.
How to log in and manage your policy
You can manage your NRMA Insurance policies through your online account or the NRMA Insurance app. From there you can view policy documents, make payments, update your details, get a new quote and start or track a claim. The app is free and works for car, home, contents, CTP and other policies.
How to contact NRMA Insurance
The quickest way to reach NRMA Insurance depends on what you need:
- New quotes and general enquiries – use the contact page on the NRMA Insurance website.
- Claims – use the online claims portal, which runs 24/7.
- Payments – can be made through your online account or the app.
Keep in mind that NRMA Insurance’s contact channels are separate from MyNRMA’s roadside assistance line – make sure you are calling the right company for what you need.
Is NRMA Insurance any good?
NRMA Insurance is one of the most established insurers in the market, and independent surveys give it reasonably solid marks. In CHOICE’s 2025 survey of around 1,800 policyholders, 72% of NRMA customers rated their car insurance experience as above average or excellent, 78% gave the same rating for home insurance claims, and 69% for car insurance claims. ProductReview pages also show a mix of loyal long-term customers and people who found premiums high or the claims process slow – a pattern you will see with almost every large insurer.
The fairest approach is to treat NRMA Insurance as a strong contender rather than a default choice. Compare cover, excesses, exclusions and premiums side by side, and read the Product Disclosure Statement for any policy you are seriously considering.
Frequently asked questions
Is NRMA Insurance the same as NRMA roadside assistance?
No. NRMA Insurance (owned by IAG) sells insurance. NRMA roadside assistance is run by MyNRMA, a separate and independent company.
Does NRMA Insurance cover storm and hail damage?
Comprehensive car insurance includes cover for hail damage, and home policies cover storms under insured events. Check the Product Disclosure Statement for limits and exclusions.
Can I pay my NRMA Insurance premium monthly?
Yes – NRMA offers monthly, quarterly and yearly payment options at no extra cost on home insurance, and flexible options on other products.
Where is NRMA Insurance available?
NRMA Insurance serves customers across the country; availability of specific products such as CTP varies by state scheme.
