NRMA Hobby Farm Insurance Online Offer - Terms and Conditions

  1. The Online Offer is available on new NRMA Farm Insurance policies for hobby farms only with a New South Wales, Australian Capital Territory, Queensland, Tasmanian, South Australian or Western Australian risk address purchased online via the NRMA Insurance website via www.insuranceonline.nrma.com.au/hobby-farm/ before the offer ends (Eligible Product). The Online Offer is not available for new Eligible Policies purchased over the telephone or in-store.

  2. The Online Offer is not available on any other NRMA Insurance policy including:

a. Farm Insurance (noting that for the purposes of this Online Offer, NRMA Hobby Farm Insurance is considered an Eligible Product)

b. Business Insurance

c. Motor Trade Insurance

d. Professional Indemnity

e. Information and Communication Technology Liability Insurance

  1. You can save up to 10% on the first year’s ‘base premium’, (up to $100 only) when you first purchase a new Eligible Product online (the Online Offer). The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum base premium, so your discount might be limited by your minimum base premium.

  2. The amount of the Online Offer is up to 10% on the base premium, (up to $100 only) and will be clearly displayed on the ‘Buy Now’ page of the online buy process. The amount of the Online Offer applied to an Eligible Product is variable based on a number of factors, including the amount of offline premium and underwriting factors. In some cases, the amount of the Online Offer may be significantly below the maximum of $100.

  3. To be eligible for the Online Offer, you must purchase an Eligible Product online via the NRMA Insurance website www.insuranceonline.nrma.com.au/hobby-farm/, and:

a. for annual policies, pay the annual premium online with a Visa or Mastercard at the time of purchase; or

b. for pay-by-the-month policies, provide accurate bank account, Visa or Mastercard details online at the time of purchase.
 

  1. Whether we issue a policy and on what terms, is subject to our normal underwriting criteria and practices.

  2. If we are prepared to renew the Eligible Product, the Online Offer will not apply to the renewal and the renewal policy and premium will be based on our normal underwriting criteria and practices and pricing arrangements. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium.

  3. The Online Offer does not apply to any existing NRMA Insurance policy (including any amendments or renewals). Such customers may take advantage of the Online Offer by taking out a new Eligible Product under this Online Offer. However, the premium for a new Eligible Product may be more expensive than the premium for an existing or renewal policy.

  4. The Online Offer cannot be used in conjunction with any other promotional offer or other specials, unless expressly stated otherwise in the terms and conditions for the relevant promotional offer or other special.

  5. The Online Offer may be withdrawn at any time.

  6. We may also offer discounts as part of a marketing campaign or other arrangement (Offers). If you are entitled to an Offer that is also a percentage discount, the Offer will be applied before the online discount to your premium. This means the online discount will be applied to the remaining premium after the Offer has been applied.
     
    For example if you are entitled to an Offer discount of 25% and the online discount, they will be applied as follows:
    1. Premium before discounts is $1000
    2. 25% discount Offer is applied to the $1000, so the premium is now $750
    3. 10% online discount is applied to the $750, so the premium is now $675