comprehensive travel insurance nrma

• United States
• United Kingdom

NRMA Travel Insurance

Our verdict: nrma has some particularly high benefit limits and offers 5% off if you already have insurance with them..

In this guide

Summary of NRMA International Comprehensive policy

How does nrma travel insurance cover covid-19, what policies does nrma offer, here's a breakdown of nrma travel insurance features, standard features, optional add-ons, how to make an nrma travel insurance claim, here's the bottom line about nrma travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• NRMA covers up to $10,000 of your rental car excess, higher than many other brands.
• NRMA covers up to $45,000 for loss of income. We didn't find another brand that offered more cover in this area.
• There's no option to add higher-risk activities to your policy, such as outdoor rock-climbing, which might rule NRMA out for some travellers.
• NRMA offers limited coverage for expenses related to COVID-19.

Compare other options

Congratulations, NRMA!

NRMA received the highly commended award for 'Travel Insurance - Comprehensive' in the 2023 Product Awards . NRMA also received the highly commended award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards .

Table updated September 2023

NRMA offers some cover in relation to COVID-19, including:

• Appropriate overseas medical, emergency, evacuation or repatriation costs if you're diagnosed with COVID-19.
• Additional expenses if you're diagnosed or admitted to hospital with COVID-19.
• Additional expenses if a relative or your business partner not travelling with you becomes sick as a result of COVID-19.
• Amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19 before you leave.
• Amendment or cancellation costs if your non-travelling relative or business partner becomes sick due to COVID-19.
• Amendment or cancellation costs if you're are an essential health care worker whose leave is revoked due to COVID-19.
• Amendment or cancellation costs if you or your travelling companion are diagnosed with COVID-19 on your trip.

There are some scenarios that are not covered by NRMA Travel Insurance, including if your accommodation or tour cancels due to COVID-19 or if you travel knowing you have COVID-19.

NRMA offers six insurance policies to travellers - International Multi-Trip, International Comprehensive, International Essentials, Domestic Multi-Trip, Domestic Comprehensive, and Domestic Cancellation.

International Multi-Trip

International Comprehensive

International Essentials

Domestic Multi-Trip

Domestic Comprehensive

Domestic Cancellation

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that NRMA will cover. These benefits apply across all international policies.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Delayed luggage allowance
• Rental car insurance excess
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Accidental death

NRMA also offers opportunities to tailor your cover to suit your needs. It has a specific Cruise Cover option but otherwise you just have to request a quote for your other needs.

• Cruise cover. Mandatory if you are going on a multi-night cruise, includes extra cover for some cruise-related risks such as cabin confinement and missed ports.
• Medical Conditions and Pregnancy. NRMA may consider covering your pregnancy or pre-existing condition following a health questionnaire.
• Increase luggage item limits. You may be able to increase the item limit by paying an additional premium.
• Motorcycle/moped riding. Extends your insurance policy to cover some motorcycle and moped-related claims, but not personal liability.
• Snow skiing, snowboarding and snowmobiling. If you want your policy to cover you while on the slopes, you'll need to pay an additional premium.

Unfortunately, travel insurance doesn't cover everything. Generally, NRMA will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications before the 24th week of gestation or if you have had previous pregnancy complications
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the NRMA PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can claim online via the NRMA website, following these instructions:

• Describe the incident
• Enter your expenses or losses
• Upload any supporting documents
• Provide your bank details
• Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days. Once you've lodged your claim, NRMA will update you within 10 working days.

You can also phone NRMA on 1300 135 640 between 9am-5pm, Monday to Friday. Or you can fill out a claim form and post it to:

NRMA Travel Insurance c/o Cover-More Claims Department Private Bag 913 North Sydney NSW 2059

NRMA offers particularly high benefit limits, so if you're travelling with expensive items or have a high rental car excess, it could be a good option.

However, any travellers keen to take part in risky or high-adrenaline activities may want to look elsewhere as NRMA doesn't offer an opportunity to add an adventure pack to its policies, whereas many other insurance brands do.

If you're still not sure about NRMA, you can compare other travel insurance companies here .

What type of documentation do I need when making a claim?

NRMA may ask you to provide a range of documents including receipts, valuation certificates, credit card or bank statements, photos or an emergency services report.

Does NRMA cover pre-existing conditions?

NRMA covers a range of pre-existing conditions as standard, including asthma, coeliac disease, and bunions. Some additional conditions are covered with specific conditions, such as not being hospitalised within a certain time period, while others you will need to apply for specific cover and pay an extra premium..

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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If you are looking to apply for a travel insurance with NRMA , you may directly visit their website to request a quote or to speak to a representative who can help with your insurance enquiries.

Alternatively, you may compare policies from different brands from our Travel insurance for Singapore page. Simply enter your travel details and press “Get my quote”. Once you have chosen a particular cover, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with your application or get in touch with their representatives for further assistance.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

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Travel Insurance

Get a travel insurance quote for your next trip in minutes with Savvy.

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Whether you’re looking at booking an expansive overseas holiday or a quiet interstate getaway within Australia, it’s important to not find yourself caught with a hole in your pocket if not everything goes to plan. Travel insurance not only brings greater peace of mind to jetsetters but can also help you out when you’re in a bind.

What is travel insurance and why do you need it?

Travel insurance is designed to cover you for certain unexpected circumstances which may arise while you’re travelling, whether domestically or internationally. The incidents which may be covered, and the amount you're able to claim for different included incidents, vary between providers and different types of policies, such as between basic, mid-level or comprehensive cover options.

There's a range of reasons why it's important to purchase travel insurance before you take off on your next trip, including:

• Peace of mind: above all else, having a policy in place can bring you comfort that should a claimable event take place, you can recoup some of what you lost.
• Avoid hefty medical expenses: in certain countries around the world, being admitted to hospital can be extremely expensive. Travel insurance could help you avoid having to fork out tens of thousands of dollars if you're covered.
• Protect your belongings: many of the items you bring along with you are valuable, from your mobile phone to computers, cameras and even your luggage as a whole. Because of this, you may wish to take out a policy with suitable cover in this area (limits apply).
• Cover you for cancellations : should a covered incident take place, such as sustaining an injury which prevents you from travelling, your travel insurance can help you recoup non-refundable costs like flights, hotels and experiences (up to a set limit).

What does travel insurance cover?

There are many areas which are covered by travel insurance. What's included in your policy's coverage will ultimately depend on the insurer and the type of level of policy you buy. With a comprehensive travel insurance policy, you can expect the following to be included (subject to your insurer's terms and conditions):

Medical expenses

You can be covered for certain overseas medical expenses, with some insurers offering protection for unlimited costs.

Cancellation costs

If disaster strikes and you have to change your plans, your policy may help you cover costs you can't get back.

Loss of personal items

We're partnered with insurers who can offer up to $15,000 for lost luggage (with sub-limits for phones, tablets and more).

Personal liability

If you're legally liable for property damage or bodily injury, some providers can cover you for up to $5 million.

Rental car excess

Damaging a rental car could incur a steep excess, but we're partnered with insurers who can offer up to $8,000 in cover.

Many travel insurance policies today offer cover for COVID-19, such as for medical and cancellation expenses.

Theft of cash

If your cash is stolen in a covered incident and reported to police, you could claim up to $500 with our partners.

Loss of income

If a covered accident on holiday leaves you unable to work, you could claim for lost income for up to six months.

How should I compare different travel insurance policies?

There are several key areas to look at when comparing different travel insurance quotes, which you can do right here with Savvy. The factors to compare include:

Inclusions and exclusions

The main feature of policies you should look towards is what is and isn’t included. It’s all well and good finding a  cheap travel insurance  policy, but if it doesn’t cover you where you need it to, you may as well not take out insurance at all. For example, some of the most common exclusions on these policies include:

• Medical expenses for treating undiagnosed pre-existing symptoms  
• Unattended baggage
• Valuables stolen from a locked car (however, some insurers can offer cover if your valuables were stored in a boot or another covered compartment and there is evidence of forced entry)  
• Claims arising from breaking local laws  
• Cancellation fee cover due to a demonstration or terrorist incident at your destination
• Travelling against government advice  

Policies on pre-existing conditions

The most relevant exclusion for many, however, is pre-existing conditions. If you require medical attention due to a condition or disease which was already known about before travelling, most comprehensive policies won’t cover you. It’s important to check different insurers thoroughly if you have such a condition, as it may be important to find one which covers you where required. Some of the pre-existing conditions which can be excluded are:

• Heart conditions
• Mental health conditions
• Terminal illnesses

   Cost of premiums

It’s also important to try to secure the most affordable travel insurance deal. Travel insurance, in many ways, is about striking the balance between coverage and cost: while basic policies will be the cheapest, they may not always cover you for what you need. As such, you should always compare the costs of insurance providers and policies which also afford you suitable cover.

Excess requirements

The excess on your travel insurance is the lump sum you pay when making a claim. You might look to a policy or provider which only requires you to pay a smaller excess, while there are some which may not charge an excess at all. However, in most cases, lower or no excesses will cost more in premiums, so it’s worth considering your priorities.

Optional extras

On top of the inclusions and exclusions, your insurer will likely also have a list of extras you can add to your policy. This may be a particular activity such as motorcycle riding or skiing. However, some insurers may include things like these in their comprehensive policy, rather than charging extra for them to be added, making it important to compare between options.

Types of travel insurance you can choose with us

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Frequently asked questions about travel insurance

There's a range of factors which help determine the cost of travel insurance policies, including:

• Your health (and whether you have any pre-existing conditions)
• Where you're travelling and how long you're away
• The level of cover you choose
• The optional extras you select
• The size of your travelling party (how many people are being covered under the policy)
• The size of your excess

While some insurers will exclude epidemic or pandemic-related expenses under their policies, many are now offering cover relating to medical and cancellation costs which may come about due to catching COVID-19 either before or during your trip or becoming a close contact. However, not all events will be covered, such as lockdowns in your state or cancellation or additional quarantine costs as a result of becoming a close contact. You also may not be covered if your claimable incident occurs within 72 hours of purchasing your policy. It’s important to compare your options thoroughly and determine what you’ll be covered for before you apply for your policy.

Whether you’re covered for pregnancy under your travel insurance may be determined by how far along you are in your gestational cycle and your doctor’s travel recommendations. It’s important to speak to your insurer and read up on your policy’s PDS to fully understand any pregnancy cover limitations or exclusions tied to your cover. Some insurers can offer cover for pregnancy-related claims up to 32 weeks or more, but others cap this at a shorter maximum of 18 to 24 weeks (though these periods are subject to a range of other qualification criteria relating to your pregnancy).

Most travel insurers allow you to you purchase your policy as soon as you’ve booked your holiday to ensure that you’re given the best chance of being covered should there be any cancellations in the weeks and months leading up to it. You can take out your policy as many as 12 months before travelling, but you’ll also be able to buy your policy right up to the day you depart.

Your insurer’s Product Disclosure Statement (PDS) is a document which outlines most of what you’re covered for under your policy. There may be additional criteria which can impact your eligibility outside of your PDS, but it’s still crucial to consider it when comparing your options so you’re clear on what is and isn’t included.

Some insurers also offer group policies for travel parties as large as 25 in some cases. This can be a more cost-effective way to take out travel insurance, as well as more efficient compared to taking out multiple individual policies. However, this will require everyone to have the same level of cover, so if certain members of your group need more than others, a group policy may not always be the  best type of insurance for your travelling party.

Yes – there are travel insurance companies who can offer policies to students, whether you’re still at school, studying at university or an international student. Always refer to your insurer’s PDS to find out about any applicable age restrictions and exclusions.

Explore your travel insurance options for your next destination

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
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• Cover for COVID-19
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• Cover for terrorism
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• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
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• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
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• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
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Displaying all 91 products

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This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

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AANT Annual Multi-Trip

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AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

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Comprehensive Basics Car Insurance

Cover for accidental damage, theft and damage caused by bad weather. Doesn’t include any personal belongings, or provide a hire car after an incident

What’s covered

Even if someone else drives your car 1

We cover your car when involved in an accident, plus other cars and property if it's your fault.

Theft & vandalism

We cover your car if it’s stolen, vandalised, or damaged by someone trying to steal it.

Fire, storm & flood

We cover your car if it’s damaged by severe weather incidents 2 .

Emergency repairs

We pay for repairs you need to make after an event we cover, so your car’ssafe to drive (up to $800).

We pay for towing to a repairer or safe place if your car can’t be driven after an event we cover (like an accident).

We cover baby capsules and baby seats if they’re stolen or damaged in an accident.

Your accessories are included

If you choose market value, we’ll take the value of your accessories into account at claim time. If you choose agreed value, you’ll need to make sure the value of your accessories is included when we insure your car.

Cover is different for Comprehensive Plus and Comprehensive Basics. Read the Product Disclosure Statement (PDS) .

Not included

There are some things we don’t cover

Roadside assistance

We don’t cover assistance for breakdowns, dead batteries or flat tyres.

Injuries to you or others

Injuries are covered by your Compulsory Third Party (CTP) Insurance.

Make sure to read our policy booklets

They’ll give you the details on limits, conditions, exclusions and more

Want to talk to us about car insurance?

We have over 90 years’ experience helping australians protect the things they care about.

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Save up to 10% 3 on your first year when you get car insurance online

Call us on 131 123 to make a claim 24/7

Have a question about Comprehensive Basics? We can help

If a learner driver uses my car, is my excess affected do i need to list them on my policy.

You don’t need to list learner drivers on your policy. Instead, we base any excess related to a claim when the vehicle was driven by a learner driver on the excess of the supervising driver. This excess may be higher if the supervising driver is not listed on your policy.

Who repairs my car if it's damaged?

We’ll choose a repairer from one of our Partner Repairers, located all around Australia. If you’re looking for a choice of repairer, upgrade to Comprehensive or Comprehensive Plus and choose the Any repairer option.

Do I get a hire car?

No. There is no hire car cover or option with Comprehensive Basics. Hire cars are available with Comprehensive and Comprehensive Plus policies.

Things you should know

Cover is subject to standard underwriting guidelines and policy terms. Additional excesses may apply for undisclosed drivers, including for drivers under 25.

We may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). We’ll tell you if there’s an embargo when you purchase your policy.

See the full details of the online discount . Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.

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The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Car Insurance Companies In Australia

Published: Apr 25, 2024, 10:03pm

Table of Contents

What are car insurance companies, how to choose the right car insurance provider, frequently asked questions (faqs).

It’s a legal requirement to have some form of car insurance for your vehicle, but with so many car insurance options on the market, how can you know where to start? We break down the companies in Australia offering car insurance, helping you find a provider and policy that works for you.

Related: Our Pick Of The Best Comprehensive Car Insurance Providers In 2024

A car insurance company is an insurance company that offers drivers insurance policies specific to their cars or motorised vehicles, such as compulsory third party (CTP) insurance and comprehensive policies.

Often, these companies won’t only offer car insurance policies but also travel insurance, health insurance, home insurance and more.

Others are indeed specific to car insurance, and don’t offer anything else. Take Bingle, for example, a Suncorp-owned brand that only offers car insurance policies, or Famous Insurance, dedicated to car and bike insurance.

However, specialised insurance companies aren’t necessarily best suited for you and your vehicle’s needs.

The same goes for banks. Many Australian banks have started offering insurance policies, including car insurance, which may tempt pre-existing customers of said banks to automatically enrol in the insurance offer.

While it can at times be more beneficial to choose your car insurance policies based on a company you already use for ease and for discounts (such as multi-policy discounts), it’s still always worth shopping around to make sure you find the best car insurance policy for you.

Do your research, and don’t automatically choose your car insurance policy based on convenience.

Here’s a list of the companies in Australia that offer car insurance to help get you started on finding the best policy for you.

• AANT (only available to Northern Territory and New South Wales residents)
• Australia Post
• Australian Seniors Insurance Agency (only available to those aged over 50)
• Australian Unity
• Bendigo Bank
• Beyond Bank
• Bingle Car Insurance
• Budget Direct
• Elders Insurance
• Famous Insurance
• Guild Insurance Plus
• Huddle Insurance
• KOBA Insurance
• Kogan Insurance
• Lumley Special Vehicles
• MB Insurance
• National Seniors Australia
• Oceania Insurance
• Over Fifty (only available to those aged over 50)
• PD Insurance
• People’s Choice
• Qantas Car Insurance
• RAA (specific to South Australian residents)
• RAC (specific to Western Australian residents)
• RACQ (specific to Queensland residents)
• RACT (specific to Tasmanian residents)
• RACV (specific to Victorian residents)
• Real Insurance
• Retirease Insurance (only available to retired Australians)
• ROLLiN’ (formerly Poncho)
• Ryno Insurance
• St George Bank
• TIO (only available to Northern Territory residents)
• Toyota (only available to Toyota drivers)
• Virgin Money
• 1st for Women (only available to women)

Which Aussie Banks Offer Car Insurance?

As you can see from the list above, many Australian banks also offer insurance policies, including car insurance. This includes the Big Four—ANZ, Commonwealth Bank, NAB and Westpac—as well other smaller financial institutions.

While going with a bank for your insurance needs may seem tempting, you may find they aren’t as comprehensive as other car insurance companies, potentially more expensive, or simply not suited to your needs.

In our list of the top 10 best comprehensive car insurance policies available to Australians , only one bank made the list: ING.

Choosing the right car insurance company for your policy involves first understanding what type of car insurance you require.

In Australia, CTP insurance is a legal requirement for all drivers; it offers the most basic level of coverage. How you can purchase CTP insurance, and whether you need to pay for it, depends on where you live in Australia .

However, many Australian drivers will opt to purchase comprehensive car insurance for a more complete coverage option. Typically, a comprehensive car insurance policy will include (or give policyholders the option to add cover for):

• After accident care: cover for any transport, free towing or accommodation requirements following an accident
• Hire cars: when the insurer provides a hire car in the case of no-fault accident so you can continue driving while your car is being repaired
• Roadside assistance: the ability to call the insurer from the road to receive direct assistance, any time of day
• Theft and break-ins: cover provided in the event that items are stolen from your vehicle upon a break-in
• New-for-old replacements: a replacement of your car with a similar make or model in the event that it is written off

Along with the coverage options, you will need to consider the cost of a car insurance premium and establish if you can afford a policy with the car insurance company. This is easy to do, with most insurers having a quick quote calculation available via their website.

Comprehensive car insurance policies may also have offers available that will help lower your premiums, such as multi-policy deals, discount codes or a “ no claims bonus “. The discounts and offers available will depend on the car insurance company you choose.

Related: A Guide To Car Insurance Offers

What car insurance company has the best customer satisfaction?

According to a 2023 survey by CHOICE, RAA took out the top spot for customer satisfaction in car insurance, closely followed by RAC and RACQ.

Of the comprehensive car insurance policies that Forbes Advisor Australia analysed, Youi came in the equal top place of our best picks, alongside Allianz . Overall, it was the top- rated provider in terms of customer satisfaction with a 4- star rating on ProductReview from more than 7000 reviews.

How many car insurance companies are there in Australia?

According to research by Forbes Advisor Australia, there are 64 car insurance companies on the market that are actively offering car insurance policies.

Any car insurance company that is no longer issuing policies to new customers was removed from our list.

Do car insurance companies check your driving record?

Yes, most car insurance companies will check your driving record and history before issuing you a policy. Your driving history can affect the price of your premium, and your ability to receive certain discounts such as the “no claims bonus”.

Related: No Claim Discount Explained

• Best Car Insurance Australia
• Best Motorcycle Insurance
• Best Car Insurance For Under-25s
• Best Caravan Insurance
• Best CTP Car Insurance For Australians
• CTP Car Insurance NSW
• CTP Car Insurance Victoria
• What Is Car Insurance?
• What Is Excess In Car Insurance
• Third Party Car Insurance Guide
• Comprehensive Car Insurance Guide
• Guide to Third Party Fire and Theft Car Insurance
• How Much Is Car Insurance?
• Multi Car Insurance
• Applying For Your Learner License In Australia
• What Is A Novated Lease?
• How To Check For Car Insurance
• How To Transfer Car Ownership
• RACV Car Insurance Review
• AAMI Car Insurance Review
• Youi Car Insurance Review
• NRMA Car Insurance Review
• Budget Direct Car Insurance Review
• Allianz Car Insurance Review

More from  

No claim discount in car insurance explained, our pick of the best boat insurance for australians, ctp insurance in victoria: here’s how it works, car insurance offers: how they work, what they mean, ctp insurance in nsw: a guide, how to transfer car ownership in australia.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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