Are you concerned that you don’t know enough about your insurance cover? We want you to feel absolutely confident that you have the cover you need when things go wrong, and that you are getting good value for your money. We’ve made understanding insurance easy.
When do I need insurance?
When certain events occur in your life, you need to have insurance, for example:
Registering your car, or if you've had an accident.
Here is some more information about insurance that may answer some of your questions.
What and how
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How do I find out which insurance is best for me?
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For Car Insurance, check our which car insurance is right for me?
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For Motorcycle Insurance, check our which motorcycle insurance is right for me?
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For Home Insurance, check out which home insurance is right for me?
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For Business Insurance, check out which business insurance is right for me?
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For Caravan Insurance, check our which caravan insurance is right for me?
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You can also find out more about Travel Insurance and Boat Insurance.
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Is it easy to switch to NRMA Insurance?
Call us on 132 132 7am-10pm, 7 days and we’ll take care of everything. We can also tell you if you are eligible for discounts and rewards.
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What is an excess?
An excess is the amount you pay when you make a claim on your policy.
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What is an incident?
An incident is a single occurrence or a series of occurrences, including an accident or series of accidents, arising out of the one event. In terms of insurance coverage, an incident usually refers to the occurrence that caused injury to someone, or loss or damage to property, such as a car accident, a storm or a theft.
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How do I change my details?
Call us on 132 132 7am-10pm, 7 days.
Costs
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How is my premium calculated?
Your premium is based on risk. If you are considered a low risk, your premium is lower than that of customers who have a high risk of making a claim. For example, risk factors that are considered when you insure your home include its location, its age and construction type, the security devices that you use and other factors. Discounts are also factored into your premium. See our Product Disclosure Statement for more details.
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How can I reduce my premium?
You can reduce your premiums by paying annually instead of in monthly instalments or by choosing to pay a higher excess. You may also qualify for our discounts.
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Am I eligible for discounts and rewards?
At NRMA Insurance, we reward your loyalty with a wide range of discounts that can add up to big savings. For example, we offer discounts if you have more than one policy with us. The longer you stay with us, the more you save. We also offer a saving to customers who have fuel efficient cars and reward your good claims record. Check our great discounts and rewards to see how you can save.
Claims
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How do I make a claim?
To lodge a car or home insurance claim, call us on 131 123 24 hours, 7 days. For all other claims and for more information, read more about how to make a claim.
Brochures
Insurance Basics (PDF)
Outlines how insurance works, types of insurance, definitions of insurance terms, ways to reduce risk and the financial aspects of insurance.
What You Need To Know About Insurance (PDF)
Gives detailed explanations of how your premium is calculated and why you should insure yourself properly.
Crashes, Costs & Causes (PDF)
Highlights risks that road users face, in order to minimise a driver’s risk of having an accident.
Safe as Houses (PDF)
Highlights potential risks to homes, including burglary, storm and fire, and provides tips on how to keep your home safe and secure.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about the product you should consider the Product Disclosure Statement available from NRMA Insurance.