Five "automobile carriages" had been exhibited at the Royal Agricultural Show in 1902. Many Sydney gentlemen felt they just had to have this new form of transport. By 1920 there were 20,000 such vehicles on the road, a figure that was to multiply to 60,000 just four years later.

The NSW branch of the National Roads Association (NRA) was born and in 1923 became the National Roads and Motorists' Association. From the outset, the NRMA looked for ways to improve conditions for its Members.
These included:
These early official guides of the road, dressed in smart double-breasted khaki uniforms with breeches, leggings and caps, were "all returned sailors or soldiers with distinguished war records and each of exemplary character. Each of them is a skilled mechanic and licensed motor car driver . All of them know a good deal about ambulance work and first aid ..."
One of the services they offered was car minding. In 1924, it was against the law to leave a motor vehicle unattended in the centre of Sydney. These Guides would patrol the streets, moving Members' vehicles from one parking spot to another. Riding Douglas Motor Cycles, the Guides patrolled popular weekend spots - Tom Uglys Punt, The Spit, Manly and Milson's Point, ready to provide cheerful assistance and mechanical first aid - their slogan was Never Refuse Motorists Assistance.
By 1939 there were more than 121 country depots. One long-serving country depot proprietor remembers how in the early days, it was not unusual to have stranded Members sleeping the night on his lounge room floor.
Throughout the fifties and sixties, the post war economic boom saw car ownership explode and in 1972, the Car Credits business which helped buyers to finance their vehicles, was renamed NRMA Finance Ltd. This business evolved into the NRMA Financial Services Division in 1994.
NRMA Insurance was also a winner, providing motorists with preferential treatment if they were not involved in crashes, removing penalties for windscreen replacement, waiving the under-25 excess on minor claims and introducing a Homesure Policy covering buildings and contents. By 1981, NRMA Insurance was the largest non-government home and contents insurer in NSW and the ACT.
In 1994, NRMA offered products from eight offices in Victoria and in March 1995 moved into Queensland.
The demutualisation process in 2000 split the organisation in two, creating an opportunity for growing both the financial services sector and the Members benefits and roadside assistance area.
