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What it means for you
Insurance cover for flood has been a concern for many people and communities for some time. Floods can cause extensive damage to the structures of homes and buildings and to kitchens, carpet and furniture.
To help alleviate this concern we’ve improved our policy coverage. Flood cover is now automatically included within NRMA Insurance’s home contents, buildings, landlord and strata title policies.
Read our Frequently Asked Questions about flood cover.
Water and storm cover
All of our home contents, buildings, landlord and strata insurance policies include cover for storm, such as:
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Damage caused by violent winds, cyclone, tornado, thunderstorm, hail, rain or snow
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Sudden, excessive run-off of water as a direct result of a storm in your local area. For example, where a storm causes water to build up in your street gutters
You’re also covered for water leaking or escaping from swimming pools, pipes and appliances, such as washing machines or dishwashers.
Flood cover
We’ve extended our cover to include other causes of flooding, as a result of:
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Rainfall outside your local area causing a river or creek near you to overflow. For example, when rain falls a distance from your home and as a result a river near you overflows three days later, causing flooding to your home
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Water escaping or being released from a river, lake, stormwater channel, canal or a dam but not the sea
You will also be covered for storm surge if it causes damage at the same time as a flood. Storm surge is an increase in sea level that usually happens when there is an intense storm or cyclone.
The majority of our customers have a low flood risk. These customers will automatically receive flood cover as part of their policy. However, as some areas are more prone to flooding than others, some customers will have a higher chance of flooding and will be charged an additional premium to cover their increased risk.
If you have a current policy with NRMA Insurance and we’ve identified that your address is more prone to flooding, we’ll be in contact to let you know and to also give you the choice of including the flood cover or not including it in your policy. You can do this when we contact you or when you renew your policy.
Customers who choose not to include flood cover will still be covered for certain other types of water and storm damage.
If you're a new NRMA Insurance customer we'll let you know if your address is more prone to flooding when you get a quote from us.
Need more information?
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Read our Frequently Asked Questions about flood cover
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Give us a call on 132 132 or visit your nearest NRMA office
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For full details of our flood cover please refer to the Product Disclosure Statement and Policy Booklet