- Terms and conditions (Offer Terms and Conditions) apply to the NRMA Insurance $150 offer for NSW/ACT (Offer). Eligible Recipients (see paragraph 2) agree to be bound by these Offer Terms and Conditions.
- For the purposes of these Offer Terms and Conditions, a recipient must apply the relevant Promo Code (see paragraph 4) at the point of sale when taking out an Eligible Car Policy (see paragraph 3) online, over the phone or in person at an NRMA branch, office or agency during the Offer Period (see paragraph 5) (Eligible Recipient).
- The Offer is available on any new:
a. NRMA Comprehensive Basics Car Insurance,
b. NRMA Comprehensive Car Insurance; and
c. NRMA Comprehensive Plus Car Insurance policy, with a New South Wales or Australian Capital Territory (NSW/ACT) risk address (Eligible Car Policy);
that is taken out online at www.nrma.com.au; over the phone with an NRMA Insurance representative; or in person at an NRMA branch, office or agency, during the Offer Period (see paragraph 5). Assets to be insured that do not have their risk addresses located in NSW/ACT are not eligible for this Offer. The Promo Code (see paragraph 4) must be entered and applied into the relevant field within the online quote flow, or mentioned and applied by the NRMA Insurance representative at the point of sale, to be eligible for the Offer. If for any reason you are unable to apply the Promo Code within the online quote flow, please call us with your online quote number and ask the NRMA Insurance representative to apply the Promo Code for you. Alternatively you can visit your local NRMA branch, office or agency and ask the NRMA Insurance representative, to apply the Promo Code for you.
- For any Eligible Car Policy being a: NRMA Comprehensive Basics Car Insurance, NRMA Comprehensive Car Insurance or NRMA Comprehensive Plus policy: the promotional code is 150CAR (Promo Code).
- This Offer commences at 12am AEST on 4 May 2026 and closes at 11:59pm AEST on 31 July 2026 (Offer Period).
- Under this Offer, and subject to the terms of this Offer, NRMA Insurance will provide (as applicable):
a. a discount of $150 off the premium on Eligible Car Policies, if the relevant Promo Code is entered and applied into the relevant field within the online quote flow; or
b. a discount of $150 off the premium on Eligible Car Policies, if the relevant Promo Code is mentioned to and applied by the applicable NRMA Insurance representative when taking out an Eligible Car Policy over the phone or in person at an NRMA branch, office or agency.
For example and subject to paragraphs 7 and 8, if the final premium for an Eligible Car Policy is calculated to be $500 after all other applicable discounts have been applied, and the relevant Promo Code has been applied pursuant to paragraph 6.a or 6.b at the point of sale, NRMA Insurance will provide a discount of $150 so the premium for that new Eligible Car Policy will be $350. This Offer will not apply to any renewal of an Eligible Car Policy. The Promo Code can only be applied on an Eligible Car Policy once. However, there is no limit to the number of times that an Eligible Recipient can benefit from the discounts described above in relation to Eligible Car Policies purchased during the Offer Period.
- All discounts, including the discounts available under this Offer, may be subject to minimum premiums. Discounts will only apply until the minimum premium is reached (where a minimum premium applies).
- This Offer cannot be used in conjunction with any other promotional offer or other specials. However, for the avoidance of doubt, staff discount or discount amounts referred to in the relevant Insurance Premium, Excess and Discounts Guide will still apply to Eligible Car Policies. If more than one discount applies to your policy we will apply the discounts in a predetermined order, with any second (or otherwise subsequent) discount being applied to the already discounted premium.
- a. Where certain policy amendments result in the issue of a new policy and/or a change in your premium (for example, a change of product type and/or vehicle type), and are made outside the Offer Period, the Offer cannot be applied to the new premium.
b. If, as a result of an amendment (whether made within or outside the Offer Period), the relevant policy no longer meets the eligibility requirements of an Eligible Car Policy as set out in clause 3, the Offer cannot be applied to the new premium.
- This Offer applies to new policies only. This Offer does not apply to existing NRMA Insurance policies or to any renewal or amendment of an existing NRMA Insurance Eligible Car Policy. If a customer decides to take advantage of this Offer by taking out an Eligible Car Policy under this Offer, and otherwise comply with these Offer Terms and Conditions, they should do so having regard to their own financial situation, objectives and needs and note that the terms of an Eligible Car Policy may be different from an existing or renewal policy, including that the premium may be more expensive or cover may be different.
- This Offer is not available on any other NRMA Insurance policy, including:
a. Third Party Fire and Theft Car Insurance
b. Third Party Property Damage Car Insurance
c. Classic Car Insurance
d. Classic Motorcycle Insurance
e. Boat Insurance
f. Trailer Insurance
g. Caravan Insurance
h. Motorhome Insurance
i. Motor Trades Insurance
j. Information and Communications Technology Liability Insurance
k. Home Building Standard Insurance
l. Home Building Plus Insurance
m. Home Contents Standard Insurance
n. Home Contents Plus Insurance
o. Residential Strata Insurance
p. All Motorcycle Insurance
q. All Landlord Insurance
r. All Business Insurance (including any motor vehicle insurance attached to any NRMA Business Insurance policy)
s. All Professional Indemnity Insurance
t. All Travel Insurance
- Whether NRMA Insurance issues a policy and on what terms is subject to NRMA Insurance’s normal underwriting criteria and practices.
- If NRMA Insurance is prepared to renew the Eligible Car Policy, the Offer will not apply to the renewal and the renewal policy and premium will be based on NRMA Insurance’s normal underwriting criteria and practices and pricing arrangements. When NRMA Insurance calculates your premium on renewal, NRMA Insurance may limit any increases or decreases by considering factors like your previous year’s premium.
- EXCEPT FOR ANY LIABILITY THAT CANNOT BE EXCLUDED BY LAW (IN WHICH CASE THAT LIABILITY IS LIMITED TO THE MINIMUM ALLOWABLE BY LAW) AND SUBJECT TO CLAUSE 15, OUR LIABILITY IS LIMITED TO $150.
- TO THE EXTENT PERMITTED BY LAW, NRMA INSURANCE (INCLUDING ITS OFFICERS, EMPLOYEES AND AGENTS) EXCLUDES ALL LIABILITY (INCLUDING NEGLIGENCE) FOR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE.
- Nothing in these Offer Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law, including the Competition and Consumer Act 2010 (Cth) or the Australian Securities and Investments Commission Act 2001 (Cth).
- For the avoidance of doubt, clauses 14 and 15 do not modify or otherwise affect NRMA Insurance’s potential liability under any insurance policies NRMA Insurance may enter into with you, including policies entered into pursuant to this Offer.
- NRMA Insurance reserves the right to withdraw or substitute all or part of this Offer with another offer of equal or greater value at NRMA Insurance’s sole discretion. Eligible Recipients who previously took up the Offer will not be entitled to any additional compensation in the event that the Offer has been substituted at equal or greater value at a later time.
- NRMA Insurance reserves the right to: (i) perform reasonable checks on any individual’s status as an Eligible Recipient; and (ii) disqualify any person that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.
- NRMA Insurance (subject to State and Territory legislation) reserves the right to amend, extend, cancel or suspend this Offer, including in circumstances where an event beyond the control of NRMA Insurance corrupts or affects the administration, security, fairness, integrity or proper conduct of this Offer.
- Personal information is being collected by NRMA Insurance for the purpose of conducting and promoting this Offer, and to assist NRMA Insurance to improve its services. By accepting these Offer Terms and Conditions, each Eligible Recipient consents to the storage, use and disclosure of their personal information by NRMA Insurance in accordance with its privacy policy (at www.nrma.com.au/privacy) as may be amended from time to time. If the personal information is not provided, you may not be able to participate in this Offer. NRMA Insurance’s privacy policy contains information about how individuals may access, update or correct their information, how individuals may complain about the treatment of their personal information, and how NRMA Insurance will deal with such a complaint.
- NRMA Comprehensive Car Insurance policies are issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. To see if a product is right for you, always consider the Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from nrma.com.au.
