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Separation, divorce and your insurance

Are you experiencing relationship breakdown, separation or divorce? Here are ways to think about keeping your insurance up to date.

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We’re here to talk through these changes

If you’re dealing with separation or divorce, it matters to make sure your insurance policies are up to date.

Updating your key details can help you be confident you won’t be left uninsured or even denied in the event you need to make a claim.

Call 132 132

What is a joint or shared insurance policy?

If you’re a joint policyholder, you and the other person listed on the policy share the coverage, rights and responsibilities of that policy.  It also means you can both:

  • Make a claim
  • Change your address
  • Make policy changes
  • Receive communications.

Keep this in mind as you think about how and when you update your policies to reflect changes to your relationship status.

Be aware that separating does not invalidate a shared insurance policy, so long as you both have financial interest in the insured asset and keep the policy.

Are you affected by family and domestic violence?

Your privacy and safety are our top priority. We can help make sure your personal information is kept safe and private.

We can confidentially set up a new policy with a safe address and refer you to extra help and support if that’s appropriate.

Call us during business hours on 132 132 and ask to speak to the Customer Help Team.

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Updating your policy to reflect changes

Make sure you’ve updated your insurance details, so you’re not left uninsured or denied if you make a claim. You may like to think about:

  • Taking out a new policy
  • Updating your address
  • Updating payment details
  • Making sure the right people are listed
  • Making sure you’re covered for what you need.

Updating your car insurance

If you’re both listed on your car insurance policy, you may need to make some changes. Think about who owns and uses the car and update your insurance details if necessary.

Have a comprehensive car insurance policy?

We rely on accurate details about the primary driver, so make sure you’ve updated driver details.

Remember to let us know who owns and drives the car. You can look into transferring a car into another name by visiting your state or territory’s government road service website.

Updating your home and contents insurance

Have either of you moved out? You may need to update your address, so your policy is accurate and you get sent all policy documents and correspondence.

Make sure your belongings are insured, be that through your existing policy or by taking out a new one. Cover is essential if you need to make a claim.

Specialised support services

Get immediate support

Call 000 if you or anyone in your family is in immediate danger.

Call 1800RESPECT anytime on 1800 737 732 or visit 1800RESPECT.

1800RESPECT is the national domestic, family and sexual violence counselling, information and support service. Get information on safety planning and paid leave.

Call Lifeline on 13 11 14 anytime or visit lifeline.org.au.

Lifeline is a free and confidential 24-hour crisis support and suicide prevention service.

Call Full Stop Australia anytime on 1800 385 578 or visit Full Stop Australia.

Full Stop Australia offers free, 24/7 confidential counselling, including information on violence and abuse in different languages.

Call Mensline on 1300 789 978 or visit Mensline.

Mensline offers support, information and provides a referral service for men with family and relationship issues.

Help to get your finances back on track

The National Debt Helpline is a not-for-profit service that helps people tackle challenges with debt.

If you’re struggling with any of your payments, including a claims excess, you can speak confidentially and for free to a professional financial counsellor.

Call 1800 007 007 or use the live chat at ndh.org.au.

Get free, confidential counselling

If you have a current policy with us, you and your family can access free, confidential counselling through Sonder. Call us on 132 132 to find out how.

Sonder is a separate company from NRMA Insurance and your sessions are confidential. Your details aren’t passed on and won’t impact your policies.

Get help in your preferred language

Call 132 132 and tell us you’d like to use an interpreter, and we’ll arrange it for you.

Our consultants have access to over 150 languages through independent interpreter services.

Do you live in Sydney and speak Arabic, Cantonese or Mandarin?

Find a branch to get help in your language.

Are you d/Deaf or hard of hearing?

If you have a speech communication difficulty, the National Relay Service (NRS) is a free, confidential service you can use to speak to us.

They offer several ways to make a call, including text, captions, SMS, voice or video. Find the option that best suits your needs.

You can also talk to us via NRMA Insurance web chat. Live chat with one of consultants when you log in to your account.