This NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide should be read with the NRMA Comprehensive Plus Motor Insurance Product Disclosure Statement and Policy Booklet (PDS) (QLD) Edition 1, dated 2 January 2009.
It applies to policies with a commencement date or renewal date on or after 16 November 2010.
We offer the following discounts that you may be entitled to:
- No Claim Discount
- Multi-Policy Discount
- Years of Insurance Discount
- Choice of Excess Discount
The way in which the discounts are applied to your premium is set out in the How we work out your premium section of this guide.
No Claim Discount
We reward your good driving history with a No Claim Discount which ranges from 0% to 65% for Life so you can save on your Comprehensive Plus premium. We calculate your Policy's No Claim Discount level based on:
- number of years driving experience of you and any listed driver, and
- claims and incident experience of you and any listed driver.
| The No Claim Discount levels are: |
|---|
| Maximum No Claim Discount for Life 65% |
| 65% |
| 55% |
| 45% |
| 35% |
| 25% |
| 0% |
How does No Claim Discount work?
Each year at renewal, the policy automatically moves up to the next level of No Claim Discount if you, or any driver or passenger does not make an at-fault claim in that policy year.
If you do make a claim for an incident where you, or any driver or passenger of your vehicle, is at fault, your Policy will move down one level of No Claim Discount unless:
- you are entitled to our Maximum No Claim Discount for Life; or
- you have chosen to protect your No Claim Discount by paying an additional premium.
If you make a claim for something that is not your fault, for example your motor vehicle or motorcycle is stolen, damaged by storm or someone scratches the paintwork, your Policy's No Claim Discount will not change. However, these claims will be taken into account as a pricing factor when calculating your premium.
The way in which your Policy's No Claim Discount is applied to your premium is set out in the How we work out your premium section of this guide.
What is No Claim Discount protection?
You can pay additional premium to protect your No Claim Discount if you, or any driver or passenger of your vehicle, are at fault or cannot identify the other party at fault in an incident.
If you have chosen to protect your Policy's No Claim Discount, your No Claim Discount will not be affected for any at fault claims made within a policy year. However, these incidents or claims will be taken into account as a pricing factor when calculating your premium (see the How we work out your premium section of this guide for more information).
What is Maximum No Claim Discount for Life?
If you hold our Maximum No Claim Discount for one year with us and you don't make an at fault claim, you qualify for Maximum No Claim Discount for Life.
You retain Maximum No Claim Discount for Life for your life, even if you have multiple claims within a policy year. You may also be entitled to Maximum No Claim Discount for Life on other Comprehensive or Comprehensive Plus Policies.
However
- if you are jointly insured on a policy, all insureds must also qualify for Maximum No Claim Discount for Life to receive it on that policy.
- if we cease to offer a No Claim Discount as part of our premium structure, our Maximum No Claim Discount for Life will also change.
- most incidents or claims will still impact the calculation of your premium and your premium could increase.
Multi-Policy Discount
A Multi-Policy Discount rewards you for holding multiple NRMA Insurance policies or NRMA Motoring & Services Membership.^
See if you qualify for a Multi-Policy Discount:‡
Discount
How to qualify
Multi-Policy Discount Save 10% On your Motor Insurance and your Home, Landlord, Boat and Caravan or Trailer Insurance. |
Hold the following: Any Motor Insurance** |
Discount
How to qualify
Multi-Policy Discount Save 12.5% On your Motor Insurance and your Home and Landlord Insurance. |
Hold the following: Any Motor Insurance** |
To receive the Multi-Policy Discount, the qualifying products must:
- be current; and
- have at least one common insured named on each policy.
On existing policies the discount applies from the date of next renewal after you qualify.
The way in which your Multi-Policy Discount is applied to your premium is set out in the How we work out your premium section.
For information on how the Multi-Policy Discount is calculated for NRMA Insurance policies held in other states or territories please refer to the applicable Premium, Excess, Discounts and Helpline Benefits Guide for that state or territory.
^ NRMA Membership is provided by National Roads and Motorists Association Limited
ABN 77 000 010 506, trading as NRMA Motoring & Services and is separate and independent from NRMA Insurance. Excludes ClubCare, Taxi and BusinessWise memberships and members resident in Tasmania.
‡ Business Insurance, Farm Insurance and Veteran, Vintage and Classic Vehicle Insurance Policies do not entitle you to a Multi-Policy Discount
** Motor Insurance includes Comprehensive Plus, Comprehensive, Third Party Fire & Theft and Third Party Property Damage.
Years of Insurance Discount
Years of Insurance Discount rewards your loyalty and applies to each qualifying Comprehensive Plus Policy. It is based on the number of years you have continuously held your Comprehensive Plus Policy with us.
Discount
How to qualify
Years of Insurance Discount Save 5% On your Comprehensive Plus Insurance. |
Hold your Comprehensive Plus policy with us for: 5 to 9 years. |
Discount
How to qualify
Years of Insurance Discount Save 10% On your Comprehensive Plus Insurance. |
Hold your Comprehensive Plus policy with us for: 10+ years. |
If you hold Comprehensive Motor Insurance, Third Party Property Damage Insurance or Third Party Fire & Theft Insurance and replace this policy with Comprehensive Plus, we may take into account your prior years of continuous insurance in working out your entitlement to a Years of Insurance Discount on your Comprehensive Plus Insurance.
The way in which your Years of Insurance Discount is applied to your premium is set out in the How we work out your premium section of this guide.
Choice of Excess Discount
If you choose a higher basic excess on your Comprehensive Plus, you can decrease your premium. This means that, although you pay less in premium, you will have to contribute more to any claim you make where an excess applies.
The amount of basic excess you may choose and the percentage discount on your premium that applies is:
| Choice of Excess | % discount |
|---|---|
| $800 | 10% |
| $1,000 | 15% |
| $1,500 | 20% |
| $2,000 | 25% |
The way in which your Choice of Excess discount is applied to your premium is set out in the How we work out your premium section.
If there is anything you don't understand about this NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide, please call us on 132 132 or visit your local office.
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NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing on or after 16 November 2010
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing 16/08/10 to 15/11/10
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing 14/12/09 to 15/08/10
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing 19/10/2009 to 13/12/2009
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing 17/09/2009 to 18/10/2009 or with a renewal date of 12/10/2009 to 18/10/2009
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing 02/07/2009 to 16/09/2009
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide (QLD) - Policies commencing 07/12/2008 to 01/07/2009