Car insurance renewals & payments
What would you like to do?
Renew a policy
What other ways can I pay?
BPAY
Log in to your online banking and go to BPAY bill payments.
Enter the biller code 90001 and your reference number (find it next to the BPAY logo on your policy document).
Over the phone
Call 131 144 with your policy number ready. We accept Visa or Mastercard.
At a post office
Pay over the counter at an Australia Post Office.
Visit your local NRMA branch
For available payment options and services, please refer to your local branch.
Send payments by post
Complete the payment slip on your policy document and post it to:
NRMA Insurance
Reply Paid 9871
GPO Sydney NSW 2001
What's the difference between an agreed value and market value policy?
Agreed value is the amount that we agree to insure your car for. The agreed value includes:
- Any modifications, options or accessories that are attached to your vehicle
- GST
- Registration and any CTP insurance
- Other on-road costs.
Market value is our assessment of the value of the car, at the time of a claim. To assess the value, we use local market prices and take into consideration the age and condition of your car. The market value includes:
- Any modifications, options or accessories that are attached to the vehicle
- GST
- Registration and any CTP Insurance
- Other on-road costs.
Market value is only available for Comprehensive (including Motorcycle & Scooter) and Third Party, Fire & Theft (up to a maximum of $10,000) policies.
I bought a new car, how can I update my policy?
You can update the car on your policy. Simply log in to your account and follow the prompts.
How's my premium calculated?
The price of your insurance is based on how likely you are to make a claim and by considering a specific set of influences:
- Pricing factors, for example the age of your car
- Loyalty discounts
- No Claim Bonus
- Policy options
- Government charges.
To find out more about how we calculate your premium, please read our Premium, Excess & Discounts guide.
What's my sum insured?
Your sum insured represents the replacement price of your car, including the value of any legal modifications and on-road costs (registration and CTP Insurance). You can choose agreed or market value to insure your car.
Details of your sum insured can be found on your policy document under your policy summary area, or in your account.
Pay a new policy
Express pay
- Pay online with your car policy number
- We accept Visa, Mastercard or PayPal
Pay over the phone
If you don't want to pay online, call 131 144 with your policy number ready. We accept Visa or Mastercard.
Find a saved quote
Continue where you left off with your Car Insurance quote.
Purchase a new policy
Get a Car Insurance quote today.
What other ways can I pay?
BPAY
Log in to your online banking and go to BPAY bill payments.
Enter the biller code 90001 and your reference number (find it next to the BPAY logo on your policy document).
Over the phone
Call 131 144 with your policy number ready. We accept Visa or Mastercard.
At a post office
Pay over the counter at an Australia Post Office
Visit your local NRMA branch
For available payment options and services, please refer to your local branch.
Send payments by post
Complete the payment slip on your policy document and post it to:
NRMA Insurance
Reply Paid 9871
GPO Sydney NSW 2001
What's the difference between an agreed value and market value policy?
Agreed value is the amount that we agree to insure your car for. The agreed value includes:
- Any modifications, options or accessories that are attached to your vehicle
- GST
- Registration and any CTP insurance
- Other on-road costs.
Market value is our assessment of the value of the car, at the time of a claim. To assess the value, we use local market prices and take into consideration the age and condition of your car. The market value includes:
- Any modifications, options or accessories that are attached to the vehicle
- GST
- Registration and any CTP Insurance
- Other on-road costs.
Market value is only available for Comprehensive (including Motorcycle & Scooter) and Third Party, Fire & Theft (up to a maximum of $10,000) policies.
How's my premium calculated?
The price of your insurance is based on how likely you are to make a claim and by considering a specific set of influences:
- Pricing factors, for example the age of your car
- Loyalty discounts
- No Claim Bonus
- Policy options
- Government charges.
To find out more about how we calculate your premium, please read our Premium, Excess & Discounts guide.
Manage monthly payments
Changing your monthly payments
You can save time online, making it easier for you to:
- Pay a missed instalment
- Request a payment extension
- Change the date of a monthly instalment.
Log in to your account to manage your monthly payments.
Choose how you pay
When you create a new policy or renew an existing policy you can choose to pay annually or monthly, it’s up to you. Paying annually is cheaper than paying by the month.
I missed a payment, what can I do?
You can make a payment online, even if it's one you've missed. Log in to your account and select Pay now.
If an ongoing monthly instalment is unpaid for 14 days or more after its due date, we may refuse a claim for incidents that take place at that time.
If an ongoing monthly instalment is unpaid for one month after its due date, we’ll cancel your policy.
I need to delay a monthly payment
If you need to delay a payment, you can do this online. Log in to your account then:
- Select Direct debit
- Select your policy
- Select Request payment extension.
How can I update my credit card details?
To change the details of your credit card:
- Log in to your account
- Select Direct debit
- Select your policy
- In the Payment Method area select Edit.
How do I cancel my policy?
To cancel your Car Insurance:
- Chat with one of our consultants through our Self Service Centre log in page (9:30am–6:30pm)
- Call us on 132 132
- Visit your local NRMA branch.
How can I check the status of my payment?
You can check the status of your payment in your account.
Payment processing means that your payment is awaiting confirmation from your bank. When your payment is confirmed and complete, the next instalment due date will appear in green.
Pay an excess
Pay online
You can pay your excess online in just a few minutes.
Enter your claim number and postcode, then pay with Visa or Mastercard.
We'll email your receipt and process the payment within 48 hours.
What other ways can I pay my excess?
If you don't want to pay online, there are some other ways you can pay your excess.
BPAY
Log in to your online banking and go to BPAY bill payments.
Enter the biller code 807123 and your reference number (find it next to the BPAY logo on your claim letter).
Over the phone
Call 1300 546 125 with your claim number ready. We accept Visa or MasterCard.
In a branch
For available payment options and services, check your local branch.
To pay by mail, write a cheque payable to NRMA, and write your claim number on the back. Post it to:
NRMA Insurance
Reply Paid 87014
Winston Hills NSW 2153
Can I see the details of my claim before I pay my excess?
Yes, when you log in to your account you can see your claim and update details.
My claim hasn't been accepted yet–can I pay my excess anyway?
Yes, but remember that making an excess payment doesn’t mean we’ll accept your claim.
You can also wait to pay your excess until after we’ve made a decision about your claim.
We’ll let you know when we’ve decided to accept your claim. If we don’t accept your claim, we’ll refund any excess you’ve paid.
What's an excess and who pays it?
An excess is an amount you may need to pay towards a claim. There are different types of excess that may apply, based on your:
- Chosen excess
- Age
- Any special conditions, for example driver history or car type.
To find out which excess type applies to you, please refer to your policy document or view your policy in your account.
In the event of a claim, you may need to pay an excess if:
- You’re the driver who’s considered at-fault
- There’s no other driver involved, for example a hail storm
- You’re unable to provide the details of the person at-fault.
You may not need to pay an excess if:
- You can provide the name and address of the person we agree is at-fault
- You’re claiming only for damage to glass/sunroof and have the Windscreen/Glass cover option on your policy
- You’ve selected a $0 excess.
For general information about excess, please read our Premium, Excess and Discounts Guide.