Why can't I claim my unused portion of my rego and NSW CTP Green Slip when my car is a total loss?

There are a few different ways to cancel your policy depending on which policy you have.

Car insurance

You can cancel your car insurance in the NRMA Insurance App. You can also cancel your car insurance by logging into your online account and then:

• Finding your policy and select View Policy
• Going to the Cancel Policy section and select Cancel Policy.

Green Slip

To cancel your Green Slip, see How do I cancel my NSW CTP Green Slip?.

Other policies

To cancel any other policy, contact us.

SGIO or SGIC customers

If you’re an SGIO or SGIC customer:

• Talk to us on web chat, or
• Call us on 133 233.

Don't have the app?

If you don’t have the app, you can:

• Download on the App Store, or
• Get it on Google Play.

Before you cancel your CTP Green Slip, you need to cancel your vehicle’s NSW registration.

Once this is done, complete our CTP cancellation form, then:

• Email it to ctpaccountspayable@iag.com.au, or
• Post it to us at the address shown on the form.

Otherwise, call us on 1800 882 364 or visit your nearest branch.

It's always a good idea to let us know if you've sold your vehicle. By telling us you've sold your vehicle, we can let you know if you're entitled to a refund of any unused premium, should you choose to cancel your policy at that time.

You can cancel your policy online, or by calling us on 132 132.

If there's considerable damage to your car or motorcycle from a covered incident, or the repair cost is assessed as uneconomical, the vehicle may be written off (also known as a 'total loss').

The amount we pay you and any deductions that apply will be different based on your level of cover. When we settle a total loss claim, we keep your damaged vehicle.

For Comprehensive cover, we’ll pay you the agreed value or market value (depending on the cover you’ve chosen), minus any excess, outstanding owed-premium and on-road costs (like unused registration and CTP Insurance)¹.

If you hold Comprehensive or Comprehensive Plus cover, your vehicle was bought new and is less than 24 months old at the time of the incident, we may instead choose to replace your vehicle under our new vehicle replacement additional benefit. We can only do this if the same or similar vehicle is available in Australia at the time, and the conditions for this are met.

For Third Party Property Damage cover, we will pay up to $5,000 if you weren’t at fault and the driver at-fault is uninsured.

For all policies, if your claim is settled as a total loss, your policy will end and there will be no refund or transfer of your premium. If you pay your premium in instalments, we'll deduct any unpaid amounts from your settlement. If there's secured finance on your vehicle, we'll pay the outstanding loan to the credit provider, and any remaining balance to you.

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.

Things you should know

¹ Due to different state registration refund processes, no on-road cost deductions apply to cars registered in QLD.

If there's considerable damage to your car from a covered incident, or the repair cost is assessed as uneconomical, the vehicle may be written off (also known as a 'total loss').

The amount we pay you and any deductions that apply will be different based on your level of cover. When we settle a total loss claim, we keep your damaged vehicle.

For Comprehensive cover, we'll pay you the agreed value or market value (depending on the cover you've chosen), minus any excess, outstanding owed premium and on-road costs (like unused registration and CTP Insurance)¹.

If you hold Comprehensive or Comprehensive Plus cover and your vehicle was bought new and is less than 24 months old at the time of the incident, we may instead choose to replace your vehicle under our new vehicle replacement additional benefit. We can only do this if the same or similar vehicle is available in Australia at the time and the conditions for this are met.

For Third Party Property Damage cover, we will pay up to $5,000 if you weren’t at fault and the driver at fault is uninsured.

For all policies, if your claim is settled as a total loss your policy will end and there will be no refund or transfer of your premium. If you pay your premium in instalments, we'll deduct any unpaid amounts from your settlement. If there's secured finance on your vehicle, we'll pay the outstanding loan to the credit provider, and any remaining balance to you.

For more information, see our Product Disclosure Statement.

Things you should know

¹ Due to different state registration refund processes, no on-road cost deductions apply to cars registered in QLD.

When your car is sold, your NSW CTP Green Slip transfers to the new owner, so there's no balance to be refunded.

If there's considerable damage to your car, or the repair cost assessed is uneconomical, it may be written off (also known as a 'total loss').

If this happens:

• Depending on your policy and the age of your vehicle, we'll either replace your car, or we'll pay you your car's agreed or market value minus any excess, on-road costs¹ (like unused registration and CTP Insurance), input tax credit and unpaid premiums
• Your policy will end and there will be no refund or transfer of your premium. If you pay your premium in instalments, we'll deduct any unpaid amounts from your settlement. If there's secured finance on your car, we'll pay the outstanding loan to the credit provider, and any remaining balance to you
• We keep your damaged car.

The amount we pay you and any deductions that apply will be different based on your level of cover.

We understand that a total loss claim can be unexpected. We'll explain the next steps in detail if we settle your claim this way.

For more information, see our Product Disclosure Statement.

Things you should know

¹ Due to different state registration refund processes, no on-road cost deductions apply to cars registered in QLD.