If you believe you aren't at fault, you can send a message or a letter requesting that the other driver pays for the repairs and any losses. military service members and veterans, including the Queen family, are at risk of losing their homes. Annual policy, with monthly payment options. Wee watch toward the pros and cons of NRMA's Comprehensive Car Insurance policy, as well as cover the exclusions, inclusions and potential cuts. Not at fault accident hire car coverTo pursue a claim by yourself against an at-fault driver; Or simply to pay for repairs yourself. CTP and comprehensive insurance are different forms of cover. Email us. 7 million dollars in benefits have been paid to at-fault drivers, which represented an average payment of $16,196 per claim and 17. If the other party is at fault, it is a better. However, they can't refund the excess unless they can identify the driver. Also ask them if you're entitled to any emergency benefits, for example, free car hire or accommodation. This will keep your no-claims discount intact if you make one at-fault claim. At-Fault Driver Cover Claim; A. Your coverage and excess. Depending on the details of the incident, you may have to pay more than one. I'll send the claim to NRMA with a timeframe and if they ignore it/reject it, I. We understand that a total loss claim can be unexpected. Use block letters and print clearly 1. Whilst I accept I was late for the appointment, the lack of care. Search FAQs. At 65% you're on the maximum NCB and If you have no prior at fault claims, you may be entitled to one free at-fault claim a year without affecting your premiums. Do you think I can claim with NRMA or that's too late. Investing Investing. No joy if they do a runner or give you false details. NRMA no claim history: $850. It is also indexed - even though it probably doesn't need to be - it still is. Because help is who we are. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). 90% of. Compulsory third party (personal injury) insurance covers drivers of your vehicle from claims for compensation for injuries or deaths arising out of the use of the motor vehicle. I recently experienced a not at fault car accident. 55 am AEST ref: whrl. 47. 5 per cent of overall benefits paid. you'll need to send a letter of demand to the at fault party. Key policy features: With competitive prices and solid cover limits, a 15% discount if you purchase your car insurance online (T&Cs apply), and a highly-rated 24/7 claims service, Budget Direct offers one of the best car insurance policies at the moment. Car Insurance - Comprehensive Plus. Nrma at Fault Driver Policy. I have a police event number and they have established fault, yet NRMA refuse to even look at the claim hiding behind privacy and saying that they need consent from the at-fault driver to start a claim. With an NRMA Insurance CTP Green Slip, you also get Driver Protection Cover – which covers you if you cause an accident and suffer. Where possible I kept the value insured for the same and excess the same. 2:52PM September 6, 2023. When you pay the excess for a car accident which isn't your fault, you may need to claim this back from the insurance company of the driver who caused the accident once the claim is settled, if you don't have legal expenses cover to pay this for you. I can't speak re NRMA but I am with Budget Direct and I had a claim in October last year, at fault, a listed driver at the wheel, not me. If the glass only damage was caused by another driver, you can give us their name and address, and if we are satisfied it's their fault, then you won’t have to pay an excess. Let’s see how this works: Amount of NCD Accumulated (for Private Cars) NCD After 1 st Claim. She said this was due to the fact that NRMA would cover anyone who drove the car and did not require a main driver to be listed just anyone who had a financial interest in the car. Follow up an existing claim. Generally, ratings start at 6 and reduce by one for each year you don't claim. Or, for Motorhome Insurance in other states, select a different state or territory at the top of the screen. Damaged Whilst Parked and How to Claim. The insurer may pay for all reasonable and necessary expenses for injury resulting from the accident. If you have been involved in a not at fault accident you don't have to rely on NRMA for your not at fault claim. 5% loyalty bonus for over 21 years with NRMA. They will then settle the claim. Under the CTP At-fault Driver cover, we pay an amount if . Either way, it'squick deposit in general. Generally, ratings start at 6 and reduce by one for each year you don't claim. There are different prices for the various levels of NRMA car insurance. An NPR investigation has found that thousands of U. On 1 February 2020, the ACT moved from Compulsory Third Party (CTP) Insurance to Motor Accident Injuries (MAI) Insurance. I was reversed into in a car park on June 4th and put in my claim that evening. NRMA Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. 6 min read. Not at fault - Yes. For more information on our claims form, visit our CTP injury claims page. You can add. Ask the other driver to respond within a specific time, 14 days for example. Usually, after storing the claim, glass repair can be programmed within the week or a little longer if you need factory OEM glass. They will assess the damage, forward a quote to the insurance company, and they will let you know when to bring the car in for repairs. User #348062 4253 posts. I was not at fault. Premium Care, which costs $18. Subsequent AHRR s do not attract a fee and should be completed as part of the standard consultation cost. Decide whether or not to claim on your policy. The CTP scheme has been reformed and the types of compensation (and how to claim) depends on when your accident took place. 0 points•17 comments•submitted an hour ago by sam_tiago to r. You may not need to pay an excess if: You can provide the name and address of the person we agree is at-faultYou may not save more with more eligible policies and by staying with IAL longer if a minimum premium is reached, or IAL have limited increases or decreases in your premium. Major damage to the front left of the car. You can make a home or car claim online by logging in to your account. The household no claim discount is offered if you haven't made a claim in the last 12 months. 20% 1 is the highest No Claim Bonus available when you get a new policy. Then to add choice of repairer NRMA have told me it is worked out using 10% of premium. The mother and daughter needed to supply the dashcam footage for NRMA to accept that she wasn't at fault. I was at fault and was treated so well. If you have an excess to pay. Veteran, Vintage and Classic Insurance. – The Vehicle was not road worthy and this caused or materially contributed to the accident. Applying for Early Payment for Medical Expenses You may be eligible to make a claim for early benefits using the joint Motor Accident Notification Form / Motor. - At fault party also insured with NRMA (not sure of the level of their insurance) - Parents lodged claim. Add an option to pick any licensed repairer to fix your car, including NRMA Insurance Partner Repairers. Just remember this is a one-off per policy period, and only available to customers who have accrued a 60% no claims. NRMA claim history, not at fault collision: $850. I did have to pay the excess up front for the claim to proceed and the market value of the vehicle paid to me. We’re available over the phone. Tow truck took my car to their yard, and said an assessor would come and check the car to determine if it was repairable. If your standard excess is $500 you’ll pay that only. CTP At-fault Driver - NRMA Insurance. Save up to 25% depending on your entire Policy Count. au. If you are eligible for a No Claim Bonus this will also be. ”. We offer this when you're not at fault. Right2Drive is Australia's #1 provider. A wild crash has led to a “nightmare” insurance battle after a woman’s car was hit by another rolling vehicle. A reward for not claiming One of the benefits of not making a claim when the cost of your repairs is less than your excess, is that you get to keep your No Claim Bonus. Those weren't even at fault claims, even if NRMA didn't pay you out you still had recourse by going through court. Visit nrma. NRMA data analysis suggests the aggregate societal costs of road trauma are approximately $7 billion per year. Depending on your claims and insurance history, you could get a No Claim Bonus of between 0% and 20% 1. If you weren't the at-fault driver in an accident and you provide us with the at-fault driver's name and address, making a claim will not affect your No Claim Bonus (NCB). NRMA Insurance is part of the Insurance Australia Group. com. To find out which excess type applies to your policy. Need to make a NSW CTP Insurance claim? We’ve made videos to help you. This page has information about responding to a claim if you were in a car accident and the driver or owner believes it was your fault. If you are able to file against the at-fault party, you are. ALL your claims fault or not, crime rates in the area i. 1300 317 530 (8:30am–5pm, Mon–Fri) Glass damage only. At fault party also lodged claim and provided their claim number. Agreed value, choice of repair, hire car, or windscreen replacement are the main things but at the end of the day you’re paying for the claims experience. LoadingCall us on 131 123 to get your car insurance claim. After a non-fault collision. It took 3 months to get the part and was undrivable. Some like Bingle (I think) will increase your premium even if you've had a not at fault claim. The letter was from the other party lawyer saying we needed to pay for the damages upfront. To claim for any funeral expenses, lodge with the insurer of the at-fault vehicle: Application for funeral expenses. 5/5 for customer service. This initial AHRR form completion attracts a SIRA-gazetted fee of $35. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Pay your excess. This will keep your no-claims discount intact if you make one at-fault claim. Consider this feature when you buy your greenslip. No stress. Select what type of policy you want to make a claim on. NRMA Car Insurance Reviewing. I live Qld so get lower price from NRMA, 10% better than any written/online quote. You can still be considered the driver at fault even if the police or your insurance company divide the blame 51% to you and 49% to the other party. You’ll need to provide the details of the other driver involved when making your claim. An update guys I think she's managed to get the details to lodge the claim through NRMA, however there's a dispute report being made against this claim. So whether you’ve had a car accident in NSW, QLD, WA, SA, NT, ACT, or Tasmania, and need to make a claim or you’d like a quote visit NRMA Insurance online 24/7 or call 132 132. If you aren’t covered or decide not to go through with the claim, it won’t affect your No Claim Bonus. 24/7 claims. Canada. ” Two months after the accident, the family still don’t have access to the car and have had to cancel their claim and go through at-fault driver’s insurance to get the repairs done. When you’re not-at-fault, you have the right to claim against the at-fault party’s insurer and have your repair and hire car costs covered APPLY NOW Key advantages of using an. • Deciding not to claim and going directly to court. The NRMA Insurance CTP. User #202456 20446 posts. Insurance claim outcomes. pl/RdK2vk. My sister might be driving it every so often, but she's under 24 and had a not-at-fault claim last year. NRMA Insurance is part of the Insurance Australia Group. com. How much you pay depends on your insurer and the state you live in. We’ve partnered with Australia’s biggest. If you were the. Repair costs vary depending on the type of accident, and whether you’ve damaged someone else. Everyone i dealt with was fantastic. being considered at-fault states. The NT Motor Accidents Compensation (MAC) scheme is a ‘no fault’ CTP scheme. Interstate motor accidents. The police can also investigate where the other driver has provided false details or attend when the other party has stopped but is refusing to provide details. Between 1 December 2017 and 30 June 2020, over $73. If you get into an accident that causes an injury, your CTP Green Slip covers costs like medical treatment and lost income. NRMA Third Party Property Damage Car Insurance covers damage to your car caused by an at fault driver up to $5000. Sydneyswans on 28/12/2022 - 13:26. If you’re unsure who this is, give us a call on 13. Be calm and stay safe To help everyone positively deal with the unexpected event, it’s best to stay calm and assess the situation logically by peacefully cooperating with the other drivers. If your car can't be driven (after an incident we cover) and your policy covers towing, call us 24/7 on 132 132 and we'll arrange a tow for you. G. Updated. We'll explain the next steps in detail if we settle your claim this way. You should immediately see an attorney that handles plaintiff's personal injury. Within 3 months, for weekly income payments after 52 weeks. Industry & members. Wild dashcam footage clears driver from at-fault claim by NRMA. Unfortunately those 3 accidents you had even though not at fault are still factored into your premium. Other things to keep in mind. Stay up to date and read tips on what to do if you've received an unsolicited call. weight, brakes etc. Add AAMI Roadside Assist to your Comprehensive Car Insurance for 24 hour unlimited roadside callouts in case of emergencies like flat tyres and batteries, lost or locked-in keys, and towing. Other circumstances where no fault claims can result, albeit unfairly, in your insurance being affected is if your car is vandalised or damaged while parked on a road or in a public car park and the third party who caused the damage, cannot be traced. If you're involved in a crash in one of these states, fault may not need to be determined for bodily injury claims. NRMA Insurance no longer offer Transport Accident Insurance. Keep your original quote and a copy of the letter. AAMI take the car away to Gemini - their sole repairer in the ACT - and give us a hire car. Everyone i dealt with was fantastic. If you weren't the at-fault driver in an accident and you provide us with the at-fault driver's name and address, making a claim will not affect your No Claim Bonus. She was at fault, has NRMA comprehensive car insurance and her car was a total loss. All insurers provide the statutory cover for green slips required under the Acts. The information below explains our No Claim Bonus discount and eligible products. Your coverage and excess. NRMA never tried to make contact with the at. The process was very easy and had no issues at all. We cover accident damage, theft, severe weather and more. Hearing impaired service, ask for NRMA Insurance (11am–8pm, Mon–Fri) Interpreter servicesWild dashcam footage clears driver from at-fault claim by NRMA. For all other claims, or if you’d prefer to speak with us, call us on 131 123 and we'll lodge your claim for you over the phone, unless you're making a Business Insurance claim. Instead, some of our car insurance in NSW can cover your motorhome. Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer. NRMA Insurance is part of the Insurance Australia Group. Start a claim. Wild dashcam footage of a car crash involving several vehicles has been released as an Australian woman fights a “nightmare” insurance battle with the NRMA. If you make weather-related claims or accident. Some like NRMA require the other driver to pay the excess on their policy. We need to collect, use and disclose your personal information in order to investigate, assess and pay your claim. 1. We can help you! The team at Carbiz will help you manage your insurance claim. +. In my opinion (and I show evidence) the other party was at fault, I had witnesses approach me immediately after the accident and offer their details. • Covered for not at fault accident until claim settled • Optional extra for at fault accident for 14 days $75 per day Insurance for rental cars View more details. At-fault motor claim in last 2 years; Demerit points; Years of relationship; Other motor vehicle insurance; Vehicle safety features e. It is called CTP Driver Protection. ABN 11 000 016 722 AFS Licence No. When doing a quote online with NRMA, my premium was affected by the exact same $$ amount if I put in a not at fault accident as if I put in an at fault accident. Tue, 5 September 2023 10:11PM. Code of Practice. If your car is damaged by an incident where you weren’t at fault and it cannot be safely driven for repairs, as long as you can give us the name. I then called NRMA to cancel the CTP policy, NRMA would not refund me for the portion of CTP from the date of the accident. The details of the vehicle at-fault in the accident. NRMA will seek reimbursement from them/their insurer. ADVISORY. you need to provide the details needed for NRMA to recover the cost of the claim. nrma say its a write off and are willing to pay 12000. Your insurer pays the remaining $3,500. Book an. This policy includes useful features that can help keep you on the road, like hire car. The not at fault hire car cover is available to all our Comprehensive policy customers, whether they have the hire car policy option or not. we pay for a hire car if your car’s stolen or it can’t be driven because of an accident that’s not your fault. Call us on 131 123 to start your motorcycle or scooter insurance claim. “The at-fault insurance company rang me and confirmed all the details and they approved it within days, the identical claim to what we put through the NRMA,” she said. We'll explain the next steps in detail if we settle your claim this way. cojoco • 6 min. nsw. This letter requests them to pay for the damage they caused and should include: The date, time and location where the incident took place. Veteran, Vintage & Classic. The amount they must pay for the damage they caused. TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. The NRMA does know it. Get urgent assistance. 2GB Credit: Supplied. Richard Laycock. Other driver has Third Party with Coles. The woman from NRMA told me to simply put the policy in my fathers name and I would incur an age excess of $1600 if I was to claim at fault. I have had a couple of other claims in my 35 yrs with NRMA that were not my fault – other drivers hitting my parked car. • Covered for not at fault accident until claim settled • Optional extra for. They have 6 years to go to court (except in the Northern Territory, where it is 3 years). If you have an excess to pay. This is the insurer’s way to give you a discount for being a safe driver. Please select an option below: Regarding CTP Green Slips. How much you pay depends on your insurer and the state you live in. Assuming you were in one at-fault accident, car insurance rates go up by an average of more than 50%, according to a 2022 analysis of full-coverage policies from Insurance. Existing claims enquiries, 8:30am–5pm, Mon–Fri. The other driver/owner or the insurer may use a debt collector to do this. TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. If you’re not at fault and you have the details of the other party, you can lodge a claim and we’ll waive the excess. Only NRMA Insurance now offers At-fault driver cover. Get a 10% discount if your car is recognised by NRMA as fuel efficient. - NRMA confirmed that at fault party has accepted responsibility that they were at fault. Had a not at fault claim with NRMA at the end of July and lodged the claim online. NRMA Insurance is part of the Insurance Australia Group. Im at fault. If the other party is at fault, it is a better. NRMA Insurance provides car insurance, home insurance, business insurance, travel insurance, motorcycle insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT & TAS. The amount they must pay for the damage they caused. Been with NRMA last 3 years before that Allianz. Get a Motorhome Insurance quote. Depending on where you live, CTP car insurance may not cover you for your. "Any claims determined not at fault where you can provide the name, residential address or. 30am to 5pm (AEST). We got the confirmation of cancelled registration from Service NSW on 27/06/2023 after a lengthy settlement process. 7 MB. Some policies have time limits for claiming. Oh I see. I was dumb enough to undervalue the car to try and save premium. Average premiums for young drivers aged 21–24 vary. Emergency transport. 1300 889 256. NRMA Insurance provides car insurance, home insurance, business insurance, travel insurance, motorcycle insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT & TAS. Evidence. Your Motor Accident Injuries insurance policy will indemnify you for an accident that occurs interstate if another person is injured and you are at fault. Others will cover some or all of the excess the rental company will charge if you damage the car. Forum Regular reference: whrl. We will not provide Driver Protection Cover if, at the time of the accident: – The NRMA CTP Insurance policy attached to the Vehicle was expired. Select from the following options. Business address is Darling Park. ensure you will be able to claim those costs back on your policy. At-Fault Driver Cover was first offered under the old greenslip scheme. It can result from some action they took or because they failed to take an action. I have a 2006 4x4 top of range , very low k's,, on agreed value. - At fault party also insured with NRMA (not sure of the level of their insurance) - Parents lodged claim. Yes, car insurance covers hitting an animal, but only if you have a comprehensive policy. Business. As for a replacement hire car – that is included, or not included in your insurance. The NRMA Insurance CTP Policy number for the at-fault vehicle 3. 30 November 2022: The NRMA and NRMA Insurance today released its Wildlife Road Safety Report revealing the frequency of wildlife related road accidents and reminding drivers of the safety risks of animal collisions ahead of the busy holiday period. A no claims discount is more commonly offered with Comprehensive Car Insurance policies. Start a claim. Glass claims, in the same way, can often be handled quickly and sometimes without deductible. If you need (or think you'll need) more than two treatment sessions, it's important to submit a claim for personal injury benefits. Your insurer pays the rest. But some types of accidents are clearer in terms of. Hire car after no fault accident: Hire car after at fault accident: Optional - Up to $90 per day - Until claim is completed: Optional - Up to $75 per day - Up to 14 days: Emergency repairs: Yes. Add an option so you can make one claim that’s your fault without reducing. Your no claim discount increases every year up to a certain maximum percentage (depending. We're available 24 hours a day, 7 days a week. If you are at-fault and insured with NRMA, they will manage your claim. When I took the car to motorserve for an assessment as I was late for the appointment they refused to assess my car. Need to make an insurance claim with NRMA? We’ll help you. If you make a claim, the excess is generally payable. you'll need to send a letter of demand to the at fault party. The CTP scheme has been reformed and the types of compensation (and how to claim) depends on when your accident took place. 227681 trading as NRMA Insurance. NRMA, for example, has a Special Claims Unit the sole task of which is to look at suspect claims. The insurance company of the person who caused the accident will be responsible for covering the cost. If you require further information about the effect of GST on your CTP insurance, contact the Australian Taxation Office , Tax Reform Information Line on 13 24 78 or your tax adviser. But that’s where Car Insurance comes into play. 2. However, before the 2009 amendments to the Motor Accidents Compensation Act 1999, the driver. Pay your excess. • If your claim is denied. Generally, if you have: CTP Insurance, you’ll be covered for the costs of personal injury claims made against you in the event of a motor vehicle accident. Add an option to pick any licensed repairer to fix your car, including NRMA Insurance Partner Repairers. This stays well clear of your own insurance policy and disposes of the need to pay your excess at any point of the claim. 1/5 for value for money and 4. NRMA Insurance can arrange a hire car if your car is stolen, or if it can’t be driven after an accident that’s not your fault 2. No information likely to affect this claim has been withheld. thatsgoodsquish. estate of someone fatally injured as a result of a motor vehicle accident in the ACT for which the deceased person was not at-fault. Agreed value, choice of repair, hire car, or windscreen replacement are the main things but at the end of the day you’re paying for the claims experience. Guided through the process. If you have an excess to pay. Get a quote online today for your car, home, travel or business. Category: Documents. Its a not at fault claim, and NRMA have said they don't accept claims for such a small value. Both of us are with Nrma. gov. For home policies please read our Home Key Facts Sheets (KFSs) which set out some of the events/risks covered and not covered by our home policies and other information. Please select an option below: Regarding CTP Green Slips. For example, in New South Wales, NRMA and ANZ both offer optional cover for a rental car in case of an at-fault accident and charge a flat amount. Having trouble logging in? Update your details. Report fraud. This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL. at-fault in causing the accident in which they were injured. Each CTP greenslip in NSW provides exactly the same cover, regardless of insurer. Call today. posted 2023-Jun-29, 9:11 pm AEST. 3/5 overall, 4. ABN 11. To get a no claim bonus, you usually need to have comprehensive car insurance. Claims handling. 2. Our Queensland-based team are here. Maurice Blackburn’s experienced road accident lawyers know the claims process for all types of car accident claims across Australia and are experts in the local ‘Fault’ or ‘No fault’ accident schemes. CTP At-fault Driver Policy Claim form Complete this form if the at-fault driver was driving a vehicle with NRMA CTP Insurance and sustained any injuries listed in question 5 or died as a result of the motor vehicle accident. On average, young drivers aged 21–24 pay an annual premium of about $1750 for comprehensive car insurance. As its name suggests, a loyalty discount is a discount insurance policyholders earn by faithfully sticking. when you're at Rating 1 for life and having an at-fault claim, they won't reduce your rating, however you'll be punished in one (or multiple) of the. A wild crash has led to a “nightmare” insurance battle after a woman’s car was hit by another rolling vehicle. Not at fault yet NRMA has deemed my partner at fault purely based on the statement of the driver who hit us. D727501 06/14. Apply Online Now. Had I not had any at fault claims under my policy, my premium would have been close to $200 less with my new insurer NRMA claim to offer no claim bonus protection which I had, but I am stung in another way with the drop in agreed value. The only cancellations the insurer cares about are those mentioned in the Insurance Contracts Act 1984 as they are specifically related to fraudulent actions which the insurer isn't willing to risk. You need to provide these details to the injured person: Your registration number and vehicle make. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Generally speaking, you always need to pay the excess when you make an insurance claim (even if you're not at fault), but insurers usually agree to waive the excess under specific circumstance. Forms - Car accidents. I have had a couple of other claims in my 35 yrs with NRMA that were not my fault – other drivers hitting my parked car. If you aren’t covered or decide not to go through with the claim, it won’t affect your No Claim Bonus. Makes the app your go to for making your. Car insurance: Third Party Fire & Theft from NRMA Insurance. I suppose "guess" is the key word when talking about premium increases. Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000. It's against NRMA, who have accepted liability thankfully, but were vague about the possibility of claiming rental car costs. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW. 99 each month and comes with 50km of free towing in metropolitan areas and 100km in remote areas. Wild dashcam footage of a car crash involving several vehicles has been released as an Australian woman fights a “nightmare” insurance battle with the NRMA. * Under the CTP scheme introduced by the 2017 Act, drivers at fault can receive up to 12 months of fixed benefits for all types of injury. So I get about 5. The police can attend and investigate situations where an accident has occurred, and the other driver has failed to stop. Attach a copy of the quote you. damage was minor on both cars. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. The information above is not intended to give you advice about the legal position that will apply to you and whether or not you will be entitled to claim GST credits. Get a 10% discount if your car is recognised by NRMA as fuel efficient. If you have any questions about the refund, contact us at [email protected] this form if the at-fault driver was driving a vehicle with NRMA CTP Insurance and sustained any injuries listed in question 5 or died as a result of the motor vehicle accident. Find more information on complaints and feedback. “The at-fault insurance company rang me and confirmed all the details and they approved it within days, the identical claim to what we put through the NRMA,” she said. Comprehensive car insurance covers the costs to repair or replace your car if it’s damaged or stolen and the costs of damage to another person’s car or property if you’re liable for an accident. We independently review and compare NRMA Comprehensive Car against 42 other car insurance comparison products from 36 brands to help you choose the best.