Home Insurance renewals & payments

Determining the correct sum insured is critical to ensure you're covered in the event of a claim. If your sum insured is too low, you might not be able to rebuild your home or replace its contents. We may even ask you to use one of our calculators to ensure your sum insured is right for you.

If you're unsure or want to check your sum insured, please use one of our calculators.

You're able to change your sum insured any time during the term of your policy. Log into your account and select the policy you want to change, adjust the value and follow the prompts.

To change your details including your address, email address or contact numbers, you can do this online by:

1. Logging into your account
2. Select Contact details
3. Select Edit in the area you wish to update
4. Follow the prompts.

If you change your address, then you need to tell us.

If you want to update the address of your contents or your mailing address, you can do this by:

• Logging into your account
• Calling us on 132 132
• Visiting your local branch.

If you need to change the address of your building that's insured, please contact us on 132 132.

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for these categories:

• Works of art
• Music, games and movies
• Collections
• Jewellery and watches

Under valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.

Portable contents are items that you or your family own that you can take outside of your home.

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for these categories:

• Works of art
• Music, games and movies
• Collections
• Jewellery and watches

Under valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.

Portable contents are items that you or your family own that you can take outside of your home.

We have calculation tools that can help you decide the right amount of cover for your home and contents.

Determining the correct sum insured is critical to ensure you're covered in the event of a claim. If your sum insured is too low, you might not be able to rebuild your home or replace its contents.

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 30 days after its due date, we'll automatically cancel your policy on the 31st day (without giving you notice).

To cancel your Home Insurance:

• Chat with one of our consultants through our Self Service Centre log in page (8am–8pm, Mon–Fri and 9am–5pm, Sat–Sun)
• Call us on 132 132
• Visit your local NRMA branch.

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.

The price of your insurance is based on how likely you are to make a claim and by considering a specific set of influences, including:

• Pricing factors
• No Claim Bonus
• Policy options
• Loyalty Discounts, and
• Government charges.

To find out more about how we calculate your premium, read our Premium, Excess and Discounts guide.

An excess is an amount you may need to pay towards a claim. There are three different types of excess that may apply, including:

• Basic - your chosen excess
• Earthquake
• Special, for example storm, fire or theft.

To find out which excess type applies to you, please refer to your policy document or view your policy in your account.

Unless you've chosen to have a $0 excess on your policy, it's likely that you'll need to pay an excess for your claim. You don't have to pay an excess if you make a claim for:

• Liability
• Food spoilage
• An incident we agree someone else is responsible for. You'll need to provide their name and address, and the claim amount needs to be more than the excess.

For general information about excess, please read our Premium, Excess and Discounts guide.

A No Claim Bonus is a discount we apply to your premium to reward you for having a good claims history.

The longer you stay claim-free, the higher your No Claim Bonus becomes until it hits 25%, plus you'll receive more privileges.

Our No Claim Bonus ranges from 0% to a maximum 25%.

We base your No Claim Bonus on the claims history of any listed owners and the number of years any listed owners have held home insurance for.

To find out more about the No Claim Bonus, read our Premium, Excess and Discounts guide.

You can see what your policy covers you for online. Log into your account and select View policy to get started.

A home is considered as any enclosed building at your premises used for domestic purposes that has walls, a roof and can be locked up.

Your home also includes home improvements such as garages, carports, in ground pools, or fixtures that are permanently attached to your home. For example, aerials.

If your home is a flat or unit and you have Contents Insurance, it also includes lockable storage that’s reserved for you inside the complex.

Accidental Damage covers unintentional mishaps around your home. For example, if you're in the roof space and accidentally put your foot through the ceiling.

Accidental Damage cover is automatically included with Home Plus Insurance, and is an option that you can add to standard Home Insurance.

Fusion is the burning out of an electric motor or its wiring caused by the electric current in it. You can choose to cover your electric motors for fusion for up to 15 years as part of your home insurance.

Fusion cover is automatically included with Home Plus Insurance, and is an option that you can add to standard Home Insurance.

Some examples of items that have an electric motor are ducted air conditioners, pool pumps and refrigerators.

We cover damage caused by water leaking or escaping from:

• House gutters
• Drain pipes
• Pipes
• Baths and toilets
• Washing machines
• Dishwashers
• Aquariums
• Water tanks
• Water beds
• Swimming pools.