What does Personal Accident and Illness cover include?

Generally, workers' compensation insurance covers employees for wages and medical benefits if they are injured in the course of their employment.

Broadform Liability covers you if you become legally liable to pay compensation (to a person other than an employee) for personal injury or property damage.

If you have a Comprehensive or Comprehensive Plus policy and there's been loss or damage to your car (as a result of an incident we cover), you're covered for:

• Personal items (up to $1,000)
• Baby capsules and child seats
• Tools of trade (up to $1,500, provided you can show us you've been using your tools to earn income).

If you have a Comprehensive Basics policy, you're covered for baby capsules and child seats, but no other personal items. For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

Anyone injured in a motor vehicle accident can make a claim, including:

• The driver and passengers in another vehicle
• Motorcyclists
• Cyclists, pedestrians and other road users
• The driver that caused the accident.

If an NRMA CTP insured vehicle caused the accident, the person injured will need to make a claim themselves. If they need assistance, someone else can help by filling in the appropriate forms to start their claim. When the claim is submitted, we'll need to speak to the injured person directly.

Drivers who caused an accident while driving an NRMA CTP insured vehicle may also be able to claim a lump sum for certain serious injuries.

You cannot make a claim if you:

• Have been charged with or convicted of a serious driving offence in connection with the accident, or
• Were the at-fault driver of an uninsured vehicle and you knew the vehicle was uninsured.

For more information, or to start a claim, visit our CTP claims page.

You can claim for:

• Medical expenses
• Funeral costs
• Loss of financial support from the relative who died
• Loss of services, such as the care of a parent for a child
• Loss of earnings from your relative, from their injury until their death

You may still be able to claim even if the relative who passed away was partly at fault in the accident.

We understand if this is a difficult time for your family and we're here to help. Please call us on 1800 032 220 and we'll guide you through the process.

If their car is insured in NSW, the injured person will need to claim themselves. If they need help, you can fill in the forms to start their claim. When the claim is submitted, we'll need to speak to the injured person directly.

If the person is seriously ill and they can’t make a claim themselves, call us on 131 123 to find out how you can make a claim on their behalf (known as Third Party Authority).

If the vehicle is registered in another state or territory, contact the State Insurance Regulatory Authority (SIRA).

You don't need to lodge a claim yourself. The injured person or a close relative needs to complete the Accident notification form or Personal injury form and submit it to us. For more information on our claims form, visit our CTP injury claims page

You need to provide these details to the injured person:

• Your registration number and vehicle make
• The state or territory where your vehicle is registered
• Vehicle make
• Your full name and phone number
• The vehicle owner's full name