Car Insurance renewals & payments

Let’s help you renew your policy, pay an excess or manage your payments. Just have your policy number handy.

What would you like to do?

There are lots of ways to pay your insurance 

Log in

Log in to your account to pay or renew your policy online.

Express pay online

Pay or renew your policy without logging in. Just enter your policy number and postcode.

Over the phone

Call 131 144 with your policy number ready.

With BPAY

Log in to your online banking and go to BPAY bill payments. Enter the biller code and your reference number (find it next to the BPAY logo on your policy document).

It can take up to three days for us to receive your BPAY payment. Call us to make a payment if it’s due sooner than that.

At a post office

Pay over the counter at an Australia Post Office.

Send payments by post

Complete the payment slip on your policy document and post it to:

NRMA Insurance
Reply Paid 9871
GPO Sydney NSW 2001

Visit your local NRMA branch

For available payment options and services, you can visit one of our branches in NSW or the ACT.

Need to check your details

Log in to your account to check your policy details or update your contact info.

Have a question? We can help

How can I update my policy?

You can make some updates online, like changing your excess amounts or optional benefits. Log in to your account to see what you can update, or call us on 132 132.

If you are making bigger changes, like buying a new car, you’ll need to call us on 132 132.

What’s the difference between an agreed value and market value policy?

Agreed value is the amount that we agree to insure your car for. The agreed value includes:

  • Any modifications, options or accessories that are attached to your vehicle
  • GST
  • Registration and any CTP insurance
  • Other on-road costs.

Market value is our assessment of the value of the car, at the time of a claim. To assess the value, we use things like local market prices, and the age and condition of your vehicle. The market value includes:

  • Any modifications, options or accessories that are attached to the vehicle
  • GST
  • Registration and any CTP Insurance
  • Other on-road costs.
How is my premium calculated?

The price of your insurance is based on how likely you are to make a claim and by considering and combining a specific set of influences, including things like:

  • Pricing factors, for example the age of your car
  • Policy options you added
  • Discounts
  • Minimum and maximum premium
  • Government charges.

To find out more about how we calculate your premium, read our Premium, Excess & Discounts Guide.

What does sum insured mean?

Your sum insured represents the replacement price of your car, including the value of any legal modifications, accessories and on-road costs (like registration and CTP Insurance).

If your car is covered for an agreed value, your sum insured can be found in your policy details document under your policy summary area, or in your account. Some levels of cover (such as Third Party policies) limit the sum insured that we will pay for an incident covered under the policy.

It’s easy to manage your payments

By logging into your online account, you can:

  • Change the way you pay
  • See your upcoming payments
  • Change payment date and frequency
  • Request a payment extension.

You can also call us on 132 132.

Have a question? We can help

What if I can’t make a payment on time?

If you’re having trouble making your payments, it’s important to let us know as soon as possible. You can log in to your account to request a payment extension. Or you can call us on 132 132 to talk about your options.

You can also find out more about our financial assistance.

How do I cancel my policy?

You can call us on 132 132 to cancel your car insurance.

If you want to cancel your policy because you can’t make your next payment, there might be things we can do to help so you can still keep your cover. We can discuss your options when you call to talk about cancelling your policy.

You can also find out more about our financial assistance.

Can I make regular payments using my credit card?

Yes, you can pay using direct debit from either your nominated bank account or credit card.

See what payment frequency and methods are available

How to pay an excess

You can pay your excess online in just a few minutes.

Enter your claim number and postcode. We only accept Visa and Mastercard.

We'll email your receipt and process the payment within 48 hours.

Have a question? We can help

What other ways can I pay my excess?

If you don't want to pay online, there are some other ways you can pay your excess.

  • Over the phone
    Call 1300 317 526 (available 24/7) with your claim number ready. We accept Visa or MasterCard.
  • With BPAY
    Log in to your online banking and go to BPAY bill payments.
    Enter the biller code and your reference number (find it next to the BPAY logo on your claim letter). It can take up to three days for us to receive your BPAY payment. Call us to make a payment if it’s due sooner than that.
My claim hasn't been accepted yet. Can I pay my excess anyway?

Yes, but remember that making an excess payment doesn’t mean we’ll accept your claim.

You can also wait to pay your excess until after we’ve made a decision about your claim.

We’ll let you know when we’ve decided if we’ll accept your claim. If we don’t accept your claim, we’ll refund any excess you’ve paid.

There are lots of ways to pay your insurance 

Log in

Log in to your account to pay or renew your policy online.

Express pay online

Pay or renew your policy without logging in. Just enter your policy number and postcode.

Over the phone

Call 131 144 with your policy number ready.

With BPAY

Log in to your online banking and go to BPAY bill payments. Enter the biller code and your reference number (find it next to the BPAY logo on your policy document).

It can take up to three days for us to receive your BPAY payment. Call us to make a payment if it’s due sooner than that.

At a post office

Pay over the counter at an Australia Post Office.

Send payments by post

Complete the payment slip on your policy document and post it to:

NRMA Insurance
Reply Paid 9871
GPO Sydney NSW 2001

Visit your local NRMA branch

For available payment options and services, you can visit one of our branches in NSW or the ACT.

Need to check your details

Log in to your account to check your policy details or update your contact info.

Have a question? We can help

How can I update my policy?

You can make some updates online, like changing your excess amounts or optional benefits. Log in to your account to see what you can update, or call us on 132 132.

If you are making bigger changes, like buying a new car, you’ll need to call us on 132 132.

What’s the difference between an agreed value and market value policy?

Agreed value is the amount that we agree to insure your car for. The agreed value includes:

  • Any modifications, options or accessories that are attached to your vehicle
  • GST
  • Registration and any CTP insurance
  • Other on-road costs.

Market value is our assessment of the value of the car, at the time of a claim. To assess the value, we use things like local market prices, and the age and condition of your vehicle. The market value includes:

  • Any modifications, options or accessories that are attached to the vehicle
  • GST
  • Registration and any CTP Insurance
  • Other on-road costs.
How is my premium calculated?

The price of your insurance is based on how likely you are to make a claim and by considering and combining a specific set of influences, including things like:

  • Pricing factors, for example the age of your car
  • Policy options you added
  • Discounts
  • Minimum and maximum premium
  • Government charges.

To find out more about how we calculate your premium, read our Premium, Excess & Discounts Guide.

What does sum insured mean?

Your sum insured represents the replacement price of your car, including the value of any legal modifications, accessories and on-road costs (like registration and CTP Insurance).

If your car is covered for an agreed value, your sum insured can be found in your policy details document under your policy summary area, or in your account. Some levels of cover (such as Third Party policies) limit the sum insured that we will pay for an incident covered under the policy.

It’s easy to manage your payments

By logging into your online account, you can:

  • Change the way you pay
  • See your upcoming payments
  • Change payment date and frequency
  • Request a payment extension.

You can also call us on 132 132.

Have a question? We can help

What if I can’t make a payment on time?

If you’re having trouble making your payments, it’s important to let us know as soon as possible. You can log in to your account to request a payment extension. Or you can call us on 132 132 to talk about your options.

You can also find out more about our financial assistance.

How do I cancel my policy?

You can call us on 132 132 to cancel your car insurance.

If you want to cancel your policy because you can’t make your next payment, there might be things we can do to help so you can still keep your cover. We can discuss your options when you call to talk about cancelling your policy.

You can also find out more about our financial assistance.

Can I make regular payments using my credit card?

Yes, you can pay using direct debit from either your nominated bank account or credit card.

See what payment frequency and methods are available

How to pay an excess

You can pay your excess online in just a few minutes.

Enter your claim number and postcode. We only accept Visa and Mastercard.

We'll email your receipt and process the payment within 48 hours.

Have a question? We can help

What other ways can I pay my excess?

If you don't want to pay online, there are some other ways you can pay your excess.

  • Over the phone
    Call 1300 317 526 (available 24/7) with your claim number ready. We accept Visa or MasterCard.
  • With BPAY
    Log in to your online banking and go to BPAY bill payments.
    Enter the biller code and your reference number (find it next to the BPAY logo on your claim letter). It can take up to three days for us to receive your BPAY payment. Call us to make a payment if it’s due sooner than that.
My claim hasn't been accepted yet. Can I pay my excess anyway?

Yes, but remember that making an excess payment doesn’t mean we’ll accept your claim.

You can also wait to pay your excess until after we’ve made a decision about your claim.

We’ll let you know when we’ve decided if we’ll accept your claim. If we don’t accept your claim, we’ll refund any excess you’ve paid.

There are lots of ways to pay your insurance 

Log in

Log in to your account to pay or renew your policy online.

Express pay online

Pay or renew your policy without logging in. Just enter your policy number and postcode.

Over the phone

Call 131 144 with your policy number ready.

With BPAY

Log in to your online banking and go to BPAY bill payments. Enter the biller code and your reference number (find it next to the BPAY logo on your policy document).

It can take up to three days for us to receive your BPAY payment. Call us to make a payment if it’s due sooner than that.

At a post office

Pay over the counter at an Australia Post Office.

Send payments by post

Complete the payment slip on your policy document and post it to:

NRMA Insurance
Reply Paid 9871
GPO Sydney NSW 2001

Visit your local NRMA branch

For available payment options and services, you can visit one of our branches in NSW or the ACT.

Need to check your details

Log in to your account to check your policy details or update your contact info.

Have a question? We can help

How can I update my policy?

You can make some updates online, like changing your excess amounts or optional benefits. Log in to your account to see what you can update, or call us on 132 132.

If you are making bigger changes, like buying a new car, you’ll need to call us on 132 132.

What’s the difference between an agreed value and market value policy?

Agreed value is the amount that we agree to insure your car for. The agreed value includes:

  • Any modifications, options or accessories that are attached to your vehicle
  • GST
  • Registration and any CTP insurance
  • Other on-road costs.

Market value is our assessment of the value of the car, at the time of a claim. To assess the value, we use things like local market prices, and the age and condition of your vehicle. The market value includes:

  • Any modifications, options or accessories that are attached to the vehicle
  • GST
  • Registration and any CTP Insurance
  • Other on-road costs.
How is my premium calculated?

The price of your insurance is based on how likely you are to make a claim and by considering and combining a specific set of influences, including things like:

  • Pricing factors, for example the age of your car
  • Policy options you added
  • Discounts
  • Minimum and maximum premium
  • Government charges.

To find out more about how we calculate your premium, read our Premium, Excess & Discounts Guide.

What does sum insured mean?

Your sum insured represents the replacement price of your car, including the value of any legal modifications, accessories and on-road costs (like registration and CTP Insurance).

If your car is covered for an agreed value, your sum insured can be found in your policy details document under your policy summary area, or in your account. Some levels of cover (such as Third Party policies) limit the sum insured that we will pay for an incident covered under the policy.

It’s easy to manage your payments

By logging into your online account, you can:

  • Change the way you pay
  • See your upcoming payments
  • Change payment date and frequency
  • Request a payment extension.

You can also call us on 132 132.

Have a question? We can help

What if I can’t make a payment on time?

If you’re having trouble making your payments, it’s important to let us know as soon as possible. You can log in to your account to request a payment extension. Or you can call us on 132 132 to talk about your options.

You can also find out more about our financial assistance.

How do I cancel my policy?

You can call us on 132 132 to cancel your car insurance.

If you want to cancel your policy because you can’t make your next payment, there might be things we can do to help so you can still keep your cover. We can discuss your options when you call to talk about cancelling your policy.

You can also find out more about our financial assistance.

Can I make regular payments using my credit card?

Yes, you can pay using direct debit from either your nominated bank account or credit card.

See what payment frequency and methods are available

How to pay an excess

You can pay your excess online in just a few minutes.

Enter your claim number and postcode. We only accept Visa and Mastercard.

We'll email your receipt and process the payment within 48 hours.

Have a question? We can help

What other ways can I pay my excess?

If you don't want to pay online, there are some other ways you can pay your excess.

  • Over the phone
    Call 1300 317 526 (available 24/7) with your claim number ready. We accept Visa or MasterCard.
  • With BPAY
    Log in to your online banking and go to BPAY bill payments.
    Enter the biller code and your reference number (find it next to the BPAY logo on your claim letter). It can take up to three days for us to receive your BPAY payment. Call us to make a payment if it’s due sooner than that.
My claim hasn't been accepted yet. Can I pay my excess anyway?

Yes, but remember that making an excess payment doesn’t mean we’ll accept your claim.

You can also wait to pay your excess until after we’ve made a decision about your claim.

We’ll let you know when we’ve decided if we’ll accept your claim. If we don’t accept your claim, we’ll refund any excess you’ve paid.