Loyalty Discount

As an NRMA Insurance customer, we reward you for your entire relationship with us.

With our Loyalty Discount, the more policies you have and the longer you stay with us, the more you get in return.

Select the number of consecutive years you've been with us and the number of eligible policies you have to see how your savings add up.

How many consecutive years have you been with us?

Years 0-2

How many eligible policies do you have with us?

Policies 1

You could save 0%

Your loyalty discount is based on 3-4 policy with us and 3-4 years of relationship.

What policies are eligible?

Eligible to count towards and receive a discount

Car and Motorbike: all policies
Vintage, Veteran & Classic Car
Home^*: all policies
Landlord^**: all policies
Caravan (Onsite & Touring)
Boat
Trailer

Counts towards a discount only

Retail Business Insurance
CTP Green Slip
Life Insurance^{^}
Income Protection^{^}
Membership with NRMA Motoring and Services^#

Frequently asked questions

What's happened to the Multi-Policy Discount and Years of Insurance Discount?

The new Loyalty Discount replaces both of these previous discounts.

Is my No Claim Bonus linked to my new Loyalty Discount?

The No Claim Bonus is separate from the new Loyalty Discount. If you're eligible for a No Claim Bonus this will also be applied to your policy.

When will I receive my Loyalty Discount on my other policies?

Your Loyalty Discount will be applied to each of your eligible policies on their next renewal date.

Is my Loyalty Discount affected by any claims I make?

Any claims you make will not affect your Loyalty Discount level.

My policy is in joint names. How is the Loyalty Discount calculated?

Each named policy holder has an individual Loyalty Discount. We identify which owner has been with us the longest and has the most policies, then apply the highest Loyalty Discount to the joint policy. The Loyalty Discount is recalculated at each renewal.

What happens to the policies I have in a business name?

To receive a Loyalty Discount your eligible policies must be in the same name. For example, John has 4 policies: a home policy and boat policy in his name (John Smith), and 2 car policies in his business name (John’s Plumbing). He gets a Loyalty Discount based on 2 policies (home and boat) and John’s Plumbing will get a separate Loyalty Discount based on the 2 car policies.

^*A combined Home Buildings and Contents policy counts as 2 policies.

^**A combined Landlord Buildings and Contents policy counts as 2 policies.

^{^}NRMA Life Insurance, NRMA Income Protection and NRMA Funeral Insurance are issued by TAL Life Limited (except for Involuntary Unemployment Cover which is issued by St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649) and promoted by IAL Life Pty Limited, an Authorised Representative of TAL Direct Pty Limited (which is a related entity of TAL Life Limited). To see if a product is right for you, always consider the Product Disclosure Statement available at www.nrma.com.au.

^#A membership with NRMA Motoring and Services counts towards your Policy Count, but does not receive the Loyalty Discount, and for a limited time, membership will also count for your Years of Relationship. Excludes NRMA business Memberships. NRMA Membership is provided by National Roads and Motorists' Association Limited ABN 77 000 010 506, trading as NRMA Motoring & Services is a separate and independent company from Insurance Australia Limitied ABN 11 000 016 722 trading as NRMA Insurance.