Make a claim
Popular Searches

We've been helping Australians for 100 years

Learn more

What happens to my No Claim Bonus when I make a claim?

Your No Claim Bonus won't be affected if:

  • You were in an accident that wasn't your fault, and
  • You give us the name and address of the driver who was at-fault.

Your No Claim Bonus might be affected if:

  • You were in an accident that was your fault, or
  • Your vehicle was damaged by storm or theft.

Your No Claim Bonus won't be affected if you can't be reasonably be expected to provide the other driver's details. (For example, if the damage occurred while your vehicle is parked and you're away from the vehicle.)

Call us on 131 123 to find out exactly how your No Claim Bonus could be affected by your claim. For more information, read the Premium, Excess and Discounts Guides on our policy booklets page.

Important: We're phasing out our No Claim Bonus. If you currently have a No Claim Bonus, it will apply until you next renew.

How helpful was this answer?

More FAQs

For assistance in determining who was at-fault and how to claim, contact the State Insurance Regulatory Authority (SIRA) CTP Assist on 1300 656 919

See more

Sometimes damage ends up costing less than paying the excess. You can have your vehicle assessed before you decide if you want to go ahead with the claim.

We can help you find a repairer most convenient to you to assess the damage. If you don’t want to continue, you can always withdraw the claim without having to pay any excess.

You can start a claim by calling us on 131 123 anytime, 24/7.

See more

The best way to see how to make a claim is to visit nrma.com.au/claims, select your type of policy and follow the steps. You can also call us on 131 123 – we're available 24/7.

See more

Take photos of the accident if you can. Pictures of damaged vehicles or property, the location of the incident, number plates and the other driver's licence details will all be useful for your claim.

See more

The most important information to try to get from the incident is the name and residential address of any drivers or riders involved in the accident. It's also helpful to get their phone number and licence details.

If possible, it also helps to get the make, model and number plate of any vehicles involved, plus the contact details of anyone who witnessed the accident.

For comprehensive policies, if you can provide the name and residential address of the other driver or rider who is fully at-fault, you won’t have to pay the excess. It also means we can deal directly with all the people involved on your behalf.

See more