NRMA Insurance is part of the Insurance Australia Group. 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. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
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. 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.Īny applicable discounts may be subject to minimum premiums. Any applicable discounts may be subject to minimum premiums. We calculate your No Claim Bonus based on your claims history and how long you’ve been driving (including any other policy holders). This may be different to your policy period start date as shown on your Certificate of Insurance. You can find the date of your renewal notice on the bottom of your renewal notice. The first claim you make between the start of your policy and your first renewal notice (for a new policy), or between your last renewal notice and your next one won’t affect your No Claim Bonus. You can add No Claim Bonus protection if we offer you a 60% No Claim Bonus. Only owners listed on the policy are covered when using the car for ridesharing. You’re covered if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium.
Your tools are covered if you’ve told us you’re using your car for your business, you’re registered for GST and you’re entitled to claim an input tax credit. We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle. To get a new replacement car, your car must weigh under 2.5 tonnes and it must have been a new or demonstrator vehicle when you bought it. We’ll pay for a hire car after an accident if we agree it was the other driver’s fault and you have their name, address and rego number.
We’ll tell you if there’s an embargo when you purchase your policy. 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). An additional excess applies to drivers under 25 or with less than 2 years’ driving experience. Cover is subject to standard underwriting guidelines and policy terms.
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