- These terms and conditions (“Offer Terms and Conditions”) apply to the NRMA Insurance ‘$150 Virtual Visa Gift Card Business Insurance’ (“Offer”). Eligible Recipients (see paragraph 3) agree to be bound by these Offer Terms and Conditions.
- The promoter is Insurance Australia Limited ABN 11 000 016 722, trading as NRMA Insurance (Level 9, Tower Two, Darling Park, 201 Sussex Street, Sydney NSW 2000) (“Promoter” or “NRMA Insurance”). The Promoter has engaged Digital Glue Australia Pty Ltd ABN 36 127 466 899 (Suite 21 Level 21 101 Miller Street, North Sydney, NSW 2060 Australia) (“Digital Glue”), to undertake the fulfilment of the Gift Cards (see paragraph 15).
- Subject to these Offer Terms and Conditions, for the Offer to apply, an eligible recipient must:
a. take out a new Eligible Policy during the Offer Period (see paragraphs 4 and 5);
i. online at www.nrma.com.au/business-insurance, or
ii. over the phone by calling 132 818; or
iii. in-store at an NRMA branch or agency;
b. provide the applicable promotional code BUSINESS (“Promo Code”) during the Offer Period (see paragraph 4) when taking out a New Eligible Policy by:
i. entering it into the relevant field within the NRMA Insurance online quote flow; or
ii. mentioning it over web chat, or
iii. mentioning it over the phone; or
iv. mentioning it in-store at an NRMA branch or agency; and
c. otherwise satisfy the Entry Requirements (see paragraph 8),
(an “Eligible Recipient”).
- This Offer commences at 12:00am AEDT on 10 October 2025 and closes at 11:59pm AEDT on 28 November 2025 (“Offer Period”).
- This Offer is available on new NRMA Business Insurance, NRMA Professional Indemnity Insurance, and NRMA Information and Communications Technology Liability Insurance policies taken out online at www.nrma.com.au, in-store at an NRMA branch or agency or over the phone by calling 132 818 only (each an “Eligible Policy”).
- This Offer is not available on any other NRMA Insurance policy, including:
a. Motor Trade Insurance;
b. Compulsory Third Party (CTP) Insurance;
c. Comprehensive Car Insurance;
d. Comprehensive Plus Car Insurance;
e. Comprehensive Basics Car Insurance;
f. Third Party Fire and Theft Car Insurance;
g. Third Party Property Damage Car Insurance;
h. Veteran, Vintage and Classic Car Insurance;
i. Home Building Plus Insurance;
j. Home Building Standard Insurance;
k. Home Contents Plus Insurance;
l. Home Contents Standard Insurance;
m. Home Building and Contents Standard Insurance;
n. Home Building and Contents Plus Insurance;
o. Landlord Insurance;
p. Motorhome Insurance;
q. Trailer Insurance;
r. Caravan Insurance;
s. Boat Insurance;
t. Travel Insurance;
u. Residential Strata Insurance; and
v. Motorcycle and Scooter Insurance.
- Under this Offer, Eligible Recipients will receive a $150 Virtual Visa Gift Card (“Gift Card”), if the Promo Code is:
a. entered and applied into the relevant field within the NRMA Insurance online quote flow; or
b. is mentioned by the customer over the phone, or in-store at an NRMA branch or agency,
when taking out a new Eligible Policy during the Offer Period and provided all other Entry Requirements are met.
- Eligible Recipients must meet all of the following entry requirements to qualify for participation in the Offer:
a. the Eligible Recipient must take out a new Eligible Policy during the Offer Period
i. online at www.nrma.com.au and enter the Promo Code into the relevant field within the NRMA Insurance online quote flow; or
ii. over the phone and mention the Promo Code; or
iii. in-store at an NRMA branch or agency and mention Promo Code,
b. the Eligible Policy must be paid for on or before the Eligible Policy’s payment due date as stated on the Certificate of Insurance. Where the Eligible Policy is on a fortnightly, pay-by-the-month or quarterly basis, the first instalment (which, in some cases, will be equivalent to a double instalment) must be successfully paid in full on or before the Eligible Policy’s payment due date as stated on the Certificate of Insurance (in all cases, the “First Insurance Payment”);
c. the Eligible Policy must not be cancelled within 30 days from making the First Insurance Payment; and
d. the Eligible Recipient must provide a valid email address in connection with the purchase of an Eligible Policy (see paragraph 16 for further details), (together, the “Entry Requirements”).
- Limit of one (1) Virtual Visa Gift Card per Eligible Policy and per Eligible Recipient. The Promo Code can only be applied once per Eligible Policy.
- This Offer does not impact any offers, points, rewards and benefits that you may be eligible for in connection with the NRMA Insurance Help Hub Rewards Program.
- This Offer can be used in conjunction with the NRMA Business Insurance Online Offer (if applicable) when Eligible Policies under this Offer are taken out online during the Offer Period. Refer to the NRMA Business Insurance Online Offer terms and conditions (https://www.nrma.com.au/business-insurance-online-offer-terms-and-conditions) for more information.
- Subject to paragraphs 10 and 11, this Offer cannot be used in conjunction with any other promotional offers or other specials. However, for the avoidance of doubt, any discount amounts referred to in the relevant Premium, Excess and Discount Guide will still apply to Eligible Policies.
- This Offer does not apply to existing NRMA Insurance policies (including any amendments or renewals). If a customer decides to take advantage of this Offer by taking out a new Eligible Policy under this Offer, and otherwise comply with these Offer Terms and Conditions, they should do so having regard to their own financial situation, objectives and needs and note that the terms of a new Eligible Policy may be different from an existing or renewal policy, including that the premium may be more expensive or cover may be different.
- Whether NRMA Insurance issues a policy and on what terms is subject to NRMA Insurance’s normal underwriting criteria and practices.
- By taking out an Eligible Policy during the Offer Period and otherwise meeting the Entry Requirements, the Eligible Recipient agrees:
a. to receiving an email (to the email address referenced in paragraph 8.d) about the Gift Card (whether from NRMA Insurance or Digital Glue or their agents); and
b. that such email will not contain an unsubscribe link.
- Communications about the redemption and fulfillment of the Gift Card will be sent to the email address of the primary contact person for the Eligible Policy. In the event an Eligible Recipient does not satisfy paragraph 8.d of the Entry Requirements at the time of taking out the Eligible Policy, such Eligible Recipient will have up to 30 days to provide or update their email address to NRMA Insurance from the date they take out their Eligible Policy. Email addresses can be updated by the Eligible Recipient, within the 30-day time period, by contacting NRMA Insurance on 132 818.
- Once an Eligible Recipient has satisfied the Entry Requirements in paragraph 8, NRMA Insurance, via Digital Glue, will email the Eligible Recipient’s nominated email address within 45 days after the date the First Insurance Payment is made, to confirm that they have qualified for participation in the Offer. The Eligible Recipient will be given a unique claim code (“Unique Claim Code”) and instructions on how to redeem the Gift Card. The Eligible Recipient must redeem the Gift Card within 90 days of receiving the email from Digital Glue.
- Each Eligible Recipient acknowledges that the Gift Card can only be used where Prepaid Visa gift cards are accepted and processed electronically. Each Eligible Recipient acknowledges that they must comply with the relevant Gift Card vendor’s terms and conditions, which include the following:
a. full Gift Card terms and conditions can be found here: https://activgiftcard.com.au/terms-conditions/ (“Gift Card Terms of Use”). Subject to the Gift Card Terms of Use, it cannot be used for certain transactions, including at financial institutions or ATMs;
b. the preloaded credit on the Gift Card will expire in accordance with the expiry date in the Gift Card Terms of Use;
c. the Gift Card cannot be redeemed for cash, reloaded, or be replaced after expiry and is not legal tender, an account card, a credit or security;
d. any dispute about goods or services purchased with the Gift Card should be resolved in accordance with the Gift Card Terms of Use and/or with the relevant retailer and not NRMA Insurance; and
e. please refer any Gift Card transaction enquiries to support@nrma.iag-rewards.com. Neither NRMA Insurance nor Digital Glue is able to reverse any approved transactions on the Gift Card.
- Subject to the Gift Card Terms of Use, the Gift Card is not transferable or exchangeable. NRMA Insurance and/or Digital Glue may subject Gift Cards to verification and security checks in its absolute discretion.
- EXCEPT FOR ANY LIABILITY THAT CANNOT BE EXCLUDED BY LAW (IN WHICH CASE THAT LIABILITY IS LIMITED TO THE MINIMUM ALLOWABLE BY LAW), AND SUBJECT TO CLAUSES 21 AND 22, OUR LIABILITY IS LIMITED TO $150.
- TO THE EXTENT PERMITTED BY LAW, NRMA INSURANCE (INCLUDING ITS OFFICERS, EMPLOYEES AND AGENTS) EXCLUDES ALL LIABILITY (INCLUDING NEGLIGENCE), FOR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE.
- NRMA Insurance is not liable for any tax liability incurred by an Eligible Recipient as a result of their participation in the Offer.
- Nothing in these Offer Terms and Conditions restrict, exclude, modify or purport to restrict, exclude or modify any statutory consumer rights under any applicable law, including the Competition and Consumer Act 2010 (Cth) or the Australian Securities and Investments Commission Act 2001 (Cth).
- For the avoidance of doubt, clauses 20 to 21 do not modify or otherwise affect NRMA Insurance’s potential liability under any insurance policies NRMA Insurance may enter into with you, including Eligible Policies entered into pursuant to this Offer.
- NRMA Insurance reserves the right to withdraw or substitute all or part of this Offer with another offer of equal or greater value at NRMA Insurance’s sole discretion. Eligible Recipients who previously took up the Offer will not be entitled to any additional compensation in the event that the Gift Card has been substituted at equal or greater value at a later time.
- Once the Gift Card has been despatched via email, NRMA Insurance and Digital Glue will not be responsible for and will be discharged for any delay or failure to deliver the Gift Card.
- NRMA Insurance is not responsible for any undelivered emails due to an Eligible Recipient’s spam filters or email settings.
- To determine an Eligible Recipient’s eligibility for the Offer, NRMA Insurance may request, at its discretion (acting reasonably), proof of identity, residency and eligibility. In the event that an Eligible Recipient cannot provide suitable proof, they may forfeit the Offer in whole and no substitute will be offered. NRMA Insurance reserves the right to disqualify any person that seeks to gain an unfair advantage or to manipulate this Offer.
- NRMA Insurance (subject to State and Territory legislation) reserves the right to amend, cancel or suspend this Offer in circumstances where an event beyond the reasonable control of NRMA Insurance corrupts or affects the administration, security, fairness, integrity or proper conduct of this Offer.
- Personal information is being collected by Digital Glue and NRMA Insurance for the purpose of conducting and promoting this Offer, and to assist NRMA Insurance to improve its services. By accepting these Offer Terms and Conditions, each Eligible Recipient consents to the storage and use of their personal information by Digital Glue in accordance with its privacy policy (at https://blackhawknetwork.com/au-en/privacy-policy) and by NRMA Insurance in accordance with its privacy policy (at https://www.nrma.com.au/privacy). If the personal information is not provided, you may not be able to participate in this Offer. Each privacy policy also contains information about how individuals may access, update or correct their information, how individuals may complain about the treatment of their personal information, and how each of NRMA Insurance and/or Digital Glue (as applicable) will deal with such a complaint.
- NRMA Business Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. To see if a product is right for you, always consider the Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from nrma.com.au.
