Frequently Asked Questions

We cover anyone who drives your car, even if you haven't listed them on your policy.¹

However, the excess payable may be affected if a driver isn’t listed.

• An additional excess (known as an undisclosed driver excess) applies where a driver is 25 years of age or older and is not listed on your policy
• A higher additional excess (known as an undisclosed driver age excess) applies if the unlisted driver is under 25 years of age
• You won't have to pay either of these additional excesses if the driver is listed on your policy.

Special note for learner drivers:

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.

Things you should know

¹ Cover is subject to standard underwriting guidelines and policy terms.

There are a few different ways to cancel your policy depending on which policy you have.

Car insurance

You can cancel your car insurance in the NRMA Insurance App. You can also cancel your car insurance by logging into your online account and then:

• Finding your policy and select View Policy
• Going to the Cancel Policy section and select Cancel Policy.

Green Slip

To cancel your Green Slip, see How do I cancel my NSW CTP Green Slip?.

Other policies

To cancel any other policy, contact us.

Don't have the app?

If you don’t have the app, you can:

• Download on the App Store, or
• Get it on Google Play.

How age affects excess depends on whether a driver is listed on your policy:

• For any driver listed on your policy, we take their age into account when calculating their excess
• If a driver under 25 isn’t listed on your policy, you will pay an additional excess called an undisclosed driver age excess.
• If a driver aged 25+ isn’t listed on your policy, you may pay an additional excess called an undisclosed driver excess, depending on the type of cover you have.

Special note for learner drivers:

For learner drivers, any excess related to a claim when the vehicle was driven by a learner driver is based on the excess of the supervising driver.

You can pay for your CTP Green Slip:

• Online
• By calling us on 131 144
• At your local branch
• By post (complete the payment slip on your policy certificate and send it to NRMA Insurance, Reply Paid 9871, Sydney NSW 2000)

Renewal payments can also be made at your local post office.

Before you cancel your CTP Green Slip, you need to cancel your vehicle’s NSW registration.

Once this is done, complete our CTP cancellation form, then:

• Email it to ctpaccountspayable@iag.com.au, or
• Post it to us at the address shown on the form.

Otherwise, call us on 1800 882 364 or visit your nearest branch.

An excess is an amount that may apply and that you may need to contribute towards the cost of a claim. Depending on your policy and the type of claim you make, different excesses may apply.

An excess usually applies for most claims unless there's someone else we can recover the costs from, like the driver of another car who caused the accident. In some cases you’ll be asked to pay the excess to the repairer or supplier. We can also deduct it from any payment we make to you.

To find out which excess type applies to your policy, please refer to your policy document or view your policy in your online account.

For more general information about excesses, see our Premium, Excess and Discounts Guide.

It's always a good idea to let us know if you've sold your vehicle. By telling us you've sold your vehicle, we can let you know if you're entitled to a refund of any unused premium, should you choose to cancel your policy at that time.

You can cancel your policy online, or by calling us on 132 132.

The policy changes you can make using your online account depend on the policies you hold. For example, Comprehensive Car Insurance policy holders can:

• Add/edit the car's VIN
• Add/remove a windscreen option
• Add/remove a hire car
• Add/remove drivers
• Add/remove the car's credit provider
• Amend their excess
• Amend their sum insured
• Cancel their policy
• Change and view their risk address
• Change kilometres driven/garaging
• Change the address where the car on the policy is kept
• Change their car's number plate details
• Switch from agreed value to market value

For more information about what changes you can make to your policy, contact us.

The quickest way to update your details is by:

• Opening the NRMA Insurance App, or
• Logging into your online account.

In your online account:

1. Select Contact details
2. Find the details you want to update and select Edit
3. Follow the instructions and enter your new details.

Don't have the app?

If you don’t have the app, you can:

• Download on the App Store, or
• Get it on Google Play.

Close Online Account

If you don't want to access your policies via the NRMA Insurance website or the app anymore, you can close your Online Account and have associated data deleted.

Deleting your Online Account

You can choose to delete the App at any time. Deleting the App does not delete your Online Account used to sign into the App.

If you wish to delete your Online Account, you can:

• Do the following within the App:
  • Log in to the NRMA Insurance App
  • Using the bottom tab bar, navigate to the More menu
  • Tap on Data & Privacy
  • Tap on 'Deregister'
  • Accept the terms and submit deregistration
  • Tap on Deregister online account
• Alternatively, contact us.

If you choose to delete your Online Account, we will delete your account and associated login details.

If you have any active NRMA Insurance policies, you'll still be covered by your policies but you won't be able to access them via the NRMA Insurance website or the app. You will need to contact us either in person or over the phone to access your policies, or to make a payment or claim.

Personal information collected via the App will be retained as required under applicable laws and for other purposes described in the NRMA Insurance Privacy Policy, such as fraud prevention. For more information, see the NRMA Insurance Privacy Policy.

If you've signed up for a Help Hub account, by closing your Online Account your Help Hub account will also be closed. This means you'll no longer receive in-app offers, benefits, rewards or other information from Help Hub.

You can refer to the Help Hub Terms and Conditions to learn more about what happens when your Help Hub account is closed.

Help Hub Terms and Conditions