NRMA Car Insurance - Comprehensive Questions & Answers

Hi Alison, thanks so much for your question! If you need to make a windscreen claim and you have no excess for it, you’re all good, we only take into account claims where an excess has been paid. So, if your cover includes excess‑free window protection, you can absolutely make a windscreen claim without it affecting your claims history or your premiums.

We now offer two main discounts: the multi-product discount and the loyalty discount. When you qualify for both, they are applied one after the other, as opposed to adding them together and applying. Additionally, you can receive a 10% online discount for eligible policies by purchasing them online. I want to reassure you that your history of making no claims is highly valued and recognized. We’ve listened to customer feedback and simplified our discount structure to make it more meaningful and easier to understand. To ensure we provide the best value when pricing a policy, we’ve adopted a more individualized approach rather than a blanket No Claims Bonus (NCB). If you wish for us to review your cover, please send us a private message via the NRMA Insurance Facebook page using this link: external link . When you message us, kindly include your details and mention that you came from Product Review so our team can support you promptly. ~ Cindy

Thanks Cindy! Appreciate your detailed response and answer :)

My pleasure, Alison. Have a lovely day! ~ Cindy

Hi Jim, Thank you for reaching out to us. You can contact our claim team via webchat using this link here external link . They are available from 8:00am to 8:00pm AEST all 7 days a week. They will be able to assist you with this. ~ Cindy

If you have the excess free windscreen option on your policy, there is no limit to the number of glass claims you can lodge.

Hi Coop, f you have the excess free windscreen option on your policy, you can most certainly lodge a windscreen claim at no cost to you. Please call our dedicated glass claim number on 1300 050 912. This number is available 24/7. In regard to the app, click on the claims button at the bottom of the screen and then the blue make a claim button. ~Kaz

Hi Nae, Thank you for reaching out to us. Are you after your renewal documents for 2023? Can you send us a message on external link  for further assistance? ~ Cindy

Hi J P, thanks for reaching out! Your cover starts the day that you take out your policy (or on the start date that you select). Sometimes these things happen, and you are certainly entitled to lodge a claim. :)

You can lodge a claim in your online account under the Claims tab or you can call the claims team on 131 123 to lodge your claim over the phone. The team are available 24/7 for claims lodgements and can help answer any questions you have about your claim. Hope that helps, but please let us know if we can help further! -Nathan

Hi Guru, thanks for your question. If you choose to include the Windscreen option on a Comprehensive or have a Comprehensive Plus Motor policy, then you would pay no excess on claims for windscreen, sunroof or window glass damage, and currently we have no limit on the number of windscreen, sunroof or window glass damage claims per policy period. If a vehicle's windscreen, sunroof or window glass is damaged, we may decide to: repair or replace the windscreen, sunroof or window glass, or pay the cost of repairing or replacing the windscreen, sunroof or window glass. I hope this answers your question. Thanks. ~Sylv

Hi Nicole, thanks for your question. Yes we will allow you to purchase a market value comprehensive policy with existing hail damage. Please be aware of the following information. We don’t cover the cost to fix previous damage, for example, old hail damage that has not been repaired. You may need to contribute to repair any pre-existing damage. We do not cover your vehicle for loss or damage caused by or arising from previous damage. In case of total loss, the Market Value of the vehicle can be significantly lower than a vehicle without pre-existing damage and, therefore, claims settlement may be less on these types of vehicles.

Hope this helps. ~Kaz

Hi Rina, yes you can definitely claim on your comprehensive insurance with us. If you can't identify the other party you will need to pay your excess. Please call us on 132 132 to lodge your claim or you can lodge online with your account or our app. ~ Jono

Hi, thanks for taking the time to contact us. We have call centres in Brisbane, Sydney, Melbourne and Perth as well as a small team in Manila to assist our local based teams when we are busy, to help make ensure we are assisting our customers as quickly and efficiently as possible. Regardless of the location of the call centre, our staff should be able to assist you and answer any questions you might have. We also expect all of our staff to provide quality customer service. Hope this provides some clarity for you. If you would like you can chat to our claims team via this link external link , or message us directly on Facebook external link . ~Bec

Hey Eddy. How long your vehicle takes to get asses will depend on the damage to your vehicle , your location and also the availability of assessors in your area. You would be best to speak with claims directly to get an accurate time frame for your claim. In regards to hire car, I can see from your premium breakdown that you do have the hire car option on your policy so claims will be able to organise you a hire car whilst yours is off the road. Regards Lizzy

Hi Montrose, thanks for the question! Genreally it is covered but it is a case by case scenario depending on how the damage was caused. Reckless damage to the vehicle which then results in mice damage may be an example of when we won't cover it or general wear and tear or maintenance issue. Hope this helps. ~Natalie

Thanks for the response. Will pass this information on.