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Ways you can save

All of these discounts can apply together1

Online Discount

You can save up to 10%2

Multi-Product Discount

You can save up to 15%3

Relationship Discount

You can save up to 10%4

Save up to 10% on your first year’s premium when you buy an eligible policy online

Get a quote and take out an eligible NRMA Insurance policy online, and we'll automatically apply the discount. For all eligible insurance, you'll save up to 10% on your first year's premium.

The Online Discount will not apply where you get a quote or take out a policy via a different channel (e.g. over the phone) and then make payment for that policy online.

Learn more

You could qualify for a Multi-Product Discount (MPD) when you have 2 or more eligible products with us. The more eligible products you have, the more you could save3

Your discount is applied if you are eligible, at the time of purchase or at renewal5.

You could qualify for a Relationship Discount (RD) when you’ve had an eligible policy with us for 5 years in a row4

Your discount is applied if you are eligible, at the time of purchase or at renewal6.

More than one policyholder?

The MPD on a policy is based on the policyholder with the highest number of eligible policies.

Eligible products

MPD

1

0%

2–3

5%

4–8

10%

9+

15%

More than one policyholder?

The Relationship Discount on a policy is based on the policyholder with the highest years of relationship.

Period of time

RD

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 Premium, Excess and Discounts Guide (PED) for your insurance policy.

Explore policy booklets

Are you an NRMA Insurance customer?

Log in to your NRMA Insurance account to see any discounts that may apply to you.

View my discounts

Things you should know

  1. If more than one discount applies to your policy, we will apply each subsequent discount in a predetermined order, to the already discounted premium. 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.

  2. See the full details of the Online Discount. Some product exclusions apply. Discount on first year’s premium only. 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.

  3. 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.

  4. 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.

  5. If you become eligible for an updated Multi-Product Discount around the time your existing products are due for renewal, the updated Multi-Product Discount may not be applied to those renewing products (the updated discount will be applied on the subsequent renewal).

  6. If you become eligible for an updated Relationship Discount around the time your existing eligible policies are due for renewal, the updated Relationship Discount may not be applied to those renewing policies (the updated discount will be applied on the subsequent renewal).