- These terms and conditions (Terms and Conditions) apply to the NRMA Insurance “$200 Virtual Visa eGift Card Home Buildings and Home Buildings and Contents Insurance Promo Code offer” (Offer). By participating in the Offer, Eligible Recipients (see paragraph 3) agree to be bound by these Terms and Conditions.
- The promoter is Insurance Australia Limited ABN 11 000 016 722, trading as NRMA Insurance (Level 9, Tower Two, Darling Park, 201 Sussex Street, Sydney NSW 2000) (NRMA Insurance). NRMA Insurance has engaged Digital Glue Australia Pty Ltd ABN 36 127 466 899 (Suite 21, Level 21, 101 Miller Street, North Sydney, NSW 2060 Australia) (Digital Glue), to undertake the fulfilment of the eGift Cards (see paragraphs 16, 17 and 18).
- For the purposes of these Offer Terms and Conditions, a recipient must apply the relevant Promo Code (see paragraph 5) at the point of sale when taking out an Eligible Policy (see paragraph 4) online, over the phone or in person at an NRMA branch, office or agency during the Offer Period (see paragraph 6) (Eligible Recipient):
- The Offer is available on any new:
a. NRMA Home Buildings Standard Insurance,
b. NRMA Home Buildings Plus Insurance,
c. NRMA Home Buildings and Contents Standard Insurance, and
d. NRMA Home Buildings and Contents Plus Insurance policy
with a New South Wales or Australian Capital Territory (NSW/ACT) risk address (Eligible 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 6). 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 5) 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 the avoidance of doubt, the Promo Code can only be applied at the quote stage and cannot be applied retrospectively after a policy has been taken out.
- The relevant Promo Code is HOME.
- The Offer commences at 12am AEST on 2 October 2026 and closes at 11:59pm AEDT on 11 January 2027 (Offer Period).
- 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 Policy. If a customer decides to take advantage of this Offer by taking out an Eligible 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 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. Comprehensive Car Insurance
b. Comprehensive Plus Car Insurance
c. Comprehensive Basics Car Insurance
d. Third Party Fire and Theft Car Insurance
e. Third Party Property Damage Car Insurance
f. Classic Car Insurance
g. Classic Motorcycle Insurance
h. Boat Insurance
i. Trailer Insurance
j. Caravan Insurance
k. Motorhome Insurance
l. Motor Trade Insurance
m. Information and Communications Technology Liability Insurance
n. Home Contents Standard Insurance
o. Home Contents Plus Insurance
p. Residential Strata Insurance
q. All Motorcycle Insurance
r. All Landlord Insurance
s. All Business Insurance (including any motor vehicle insurance attached to any NRMA Business Insurance policy
t. All Professional Indemnity Insurance
u. All Travel Insurance.
- Under this Offer, Eligible Recipients will receive one (1) Virtual Visa eGift Card valued at AUD$200.00 issued by Visa (eGift Card) following the taking out of a new Eligible Policy during the Offer Period, provided all Offer Requirements are met.
- Eligible Recipients must accurately apply the Promo Code in accordance with paragraph 4, and meet all of the following entry requirements to qualify for participation in the Offer:
a. the new Eligible Policy must be taken out within the Offer Period;
b. the new Eligible Policy must be paid for on or before the payment due date as stated on the Certificate of Insurance. Where the Eligible Policy is on a pay-by-the-month basis, the Eligible Recipient must successfully pay for their first monthly instalment (equivalent to a double instalment) in full on or before the due date as stated on the Certificate of Insurance (in both cases, the First Insurance Payment);
c. the Eligible Policy must not be cancelled within 45 days from the First Insurance Payment being made. This includes any policy cancellations caused by a significant policy amendment, such as change of risk address or change of insurance product type;
d. the Eligible Recipient must confirm the email address they wish to have the eGift Card sent to (eGift Card Email Address) during the quote stage; and
e. the Eligible Recipient must not be an employee of the promoter; (together, the Offer Requirements).
- If an Eligible Policy is amended so that the relevant policy no longer meets the eligibility requirements of an Eligible Policy (as set out in paragraph 4), then the Offer will not apply.
- Limit of one (1) eGift Card per Eligible Recipient and per Eligible Policy. Where a new Eligible Policy has joint policy holders, an eGift Card will be allocated to the primary policyholder only.
- This Offer cannot be used in conjunction with other promotional offers or other specials offered by NRMA Insurance. However, for the avoidance of doubt, discount amounts including (where applicable) the Relationship Discount, Multi-Product Discount and discount amounts referred to in the relevant Premium, Excess and Discount Guide will still apply to Eligible Policies.
- Whether NRMA Insurance issues a policy and on what terms is subject to NRMA Insurance’s normal underwriting criteria and practices.
- By taking out an Eligible Policy during the Offer Period and otherwise meeting the Offer Requirements, the Eligible Recipient agrees:
a. to receiving emails to the eGift Card Email Address about the redemption and fulfillment of the eGift Card (whether from NRMA Insurance or Digital Glue or their agents); and
b. that such emails will not contain an unsubscribe link.
- Once an Eligible Recipient has satisfied the Offer Requirements in paragraph 10, NRMA Insurance, via Digital Glue, will email the eGift Card Email Address within 60 days after the First Insurance Payment is made, to confirm that they have qualified for participation in the Offer. This email will include a unique claim code (Unique Claim Code) and instructions on how the Eligible Recipient can redeem the eGift Card. The Eligible Recipient must redeem the eGift Card within 90 days of receiving this email.
- The eGift Card will be emailed to the eGift Card Email Address within approximately 5 working days from application of the Unique Claim Code.
- Each Eligible Recipient acknowledges that the eGift Card can only be used where Prepaid Visa gift cards are accepted and processed electronically. Each Eligible Recipient acknowledges that they must comply with the relevant eGift Card vendor’s terms and conditions, which include the following:
a. full eGift Card terms and conditions can be found here https://activgiftcard.com.au/terms-conditions (eGift Card Terms of Use). Subject to the eGift Card Terms of Use, it cannot be used for certain transactions, including at financial institutions or ATMs;
b. the preloaded credit on the eGift Card will expire in accordance with the expiry date in the eGift Card Terms of Use;
c. the eGift Card cannot be redeemed for cash, reloaded, or be replaced after expiry and is not legal tender, an account card, a credit or security;
d. any dispute about goods or services purchased with the eGift Card should be resolved in accordance with the eGift Card Terms of Use and/or with the relevant retailer and not NRMA Insurance; and
e. please refer any eGift Card transaction enquiries to support@redeem.iag-rewards.com. Neither NRMA Insurance nor Digital Glue is able to reverse any approved transactions on the eGift Card.
- Subject to the eGift Card Terms of Use, the eGift Card is not transferable or exchangeable. NRMA Insurance and/or Digital Glue may subject eGift Cards to verification and security checks in its absolute discretion.
- 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 PARAGRAPHS 21 AND 22, THE LIABILITY OF NRMA INSURANCE IS LIMITED TO $200.
- 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, EXCEPT TO THE EXTENT THAT SUCH LOSS OR DAMAGE WAS DIRECTLY CAUSED BY ANY OF ITS ACTS OR OMISSIONS.
- NRMA Insurance is not liable for any tax liability incurred by an Eligible Recipient as a result of their participation in the Offer.
- 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, paragraphs 20 to 22 do not modify or otherwise affect NRMA Insurance’s potential liability under any insurance policies NRMA Insurance may enter into with you, including Eligible 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 eGift Card is later substituted at equal or greater value.
- Once the eGift Card has been despatched via email, NRMA Insurance and Digital Glue will not be responsible for and will be discharged for any delay or failure to deliver the eGift Card.
- NRMA Insurance is not responsible for any undelivered emails due to an Eligible Recipient’s spam filters or email settings.
- To determine an Eligible Recipient’s eligibility for the Offer, NRMA Insurance may request, at its discretion (acting reasonably), proof of identity, residency and eligibility. In the event that an Eligible Recipient cannot provide suitable proof, they may forfeit the Offer in whole and no substitute will be offered.
- NRMA Insurance reserves the right to disqualify any person that seeks to gain an unfair advantage or to manipulate this Offer.
- NRMA Insurance (subject to State and Territory legislation) reserves the right to amend, cancel or suspend this Offer in circumstances where an event beyond the reasonable control of NRMA Insurance corrupts or affects the administration, security, fairness, integrity or proper conduct of this Offer.
- Personal information is being collected by Digital Glue and NRMA Insurance for the purpose of conducting and promoting this Offer, and to assist NRMA Insurance to improve its services. By accepting these Terms and Conditions, each Eligible Recipient consents to the storage and use of their personal information by Digital Glue in accordance with its privacy policy (https://blackhawknetwork.com/privacy-policy) and by NRMA Insurance in accordance with its privacy policy (at www.nrma.com.au/privacy-security). If the personal information is not provided, the Eligible Recipient may not be able to participate in this Offer. Each privacy policy also 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 each of NRMA Insurance and/or Digital Glue (as applicable) will deal with such a complaint.
- NRMA 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. Product Disclosure Statement and Target Market Determinations are available from www.nrma.com.au.
