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Our customer discounts

More reasons to choose NRMA Insurance

With 3 types of discounts that could apply to your insurance policies.

Our Online Discount

Up to 10% off

You could get up to 10% off on your first year’s premium when you buy an eligible policy online3.

Our Multi-Product Discount

Bundle & save

You could qualify for a Multi-Product Discount when you have 2 or more eligible products  with us. The more eligible products you have, the more you could save1.

Our Relationship Discount

How you qualify

You could qualify for a Relationship Discount when you’ve had an eligible policy with us for 5 years in a row2.

More information about our discounts

Here are some more details about our Multi-Product and Relationship Discounts.

Multi-Product Discount (MPD)

You may qualify for a discount when you hold 2 or more eligible NRMA Insurance products.

Here’s when your discount is applied to eligible policies:

  • New products are eligible for a discount on purchase.
  • Existing products are eligible for a discount at your next renewal, after you qualify.

Multiple Listed Policy Holders

Your discount is based on the listed holder of the policy with the highest number of eligible products.

Eligible products

MPD

1

0%

2-3

5%

4-8

10%

9+

15%

Relationship Discount

You may qualify for a Relationship Discount (RD) if you’ve held an eligible policy for more than 5 consecutive years, with an additional discount after 10 years.

Here’s when your discount is applied to eligible policies:

  • New policies are eligible for a discount on purchase.
  • Existing policies are eligible for a discount at your next renewal, after you qualify.

Multiple Listed Policy Holders

Your discount is based on the listed holder of the policy with the highest number of eligible products.

Relationship

Discount

0-4 consecutive years

0%

5-9 consecutive years

5%

10+ consecutive years

10%

Want to know more?

To learn more about how discounts are applied, and which products are eligible, read the relevant Insurance Premium, Excess and Discounts Guide (PED) for your policy.

Explore policy booklets

Things you should know

  1. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible products if a minimum premium is reached, or we have limited increases or decreases in your premium. When we complete the Multi-Product Discount calculation, we will use the policy start date of your policy, not the date that you purchase your policy. As such, policies must be purchased in order of their start date so that the discount can be appropriately applied.

    Any applicable discount is applied in tiers based on the number of eligible policies only. Maximum tier reached at 9 eligible policies. Existing policies will not be eligible for any new discount tier until renewal. We sometimes refer to this as the “multi-policy discount.”


  2. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.

  3. See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.