Income Protection Insurance renewals & payments

What would you like to do?

Your insurance will automatically renew every year on your policy anniversary date.

We'll send you an anniversary letter approximately 30 days before your renewal date that:

  • Explains any changes to your policy you need to know about
  • Confirms your policy and payment schedule

Call us for help

 132 825

Sales
8am-6pm Mon-Fri

Service
8am-8pm Mon-Fri

If you stop paying your premiums, you won't be covered.

We understand that today's financial demands on your family can be tough. If you're having trouble paying your premiums, please contact us so we can work out an alternative to better suit your budget.

Our Income Protection Insurance offers the following great discounts to everyone:

  • One month free if you pay your premium annually
  • A 5% discount on your premium, if you add your spouse or partner to your policy

Plus, if you're an existing NRMA Insurance customer, you'll receive an extra 5% discount on your premium for the life of your policy.

Find a saved quote

Continue where you left off with your Income Protection Insurance quote online.

Select 'Already have a quote?' and follow the prompts.

Purchase a new policy

Get an Income Protection quote today.

 

Over the phone

Call us now on 132 825
8am-6pm Mon-Fri

Our Income Protection Insurance offers the following great discounts to everyone:

  • One month free if you pay your premium annually
  • A 5% discount on your premium, if you add your spouse or partner to your policy

Plus, if you're an existing NRMA Insurance customer, you'll receive an extra 5% discount on your premium for the life of your policy.

Choose when you pay

You can choose to pay annually, quarterly, monthly or fortnightly, it's up to you. Paying annually is cheaper than other payment options.

To suit your circumstances, you can even choose the date you pay. For example, the tenth of every month.

Update your payment details

If you want to:

  • Change when you pay
  • Pay a missed instalment
  • Delay a payment

Call us to speak to one of our customer service representatives who can assist you with your enquiry.

Call us for help

 132 825

Service
8am-8pm Mon-Fri

To cancel your Income Protection Insurance, call us on 132 825

You have 30 days after your insurance begins to cancel in writing or over the phone. If you cancel during this time, we'll give you a complete refund of any premiums paid.

If your policy is cancelled after the first 30 days, you won't receive any refund on the premiums you've paid.

We're here to help, so if you have any other questions about your policy, please call us and speak to one of our friendly customer service representatives.

Call us for help

 132 825

Sales
8am-6pm Mon-Fri

Service
8am-8pm Mon-Fri

Premiums generally increase with age each year on your policy anniversary date or if you increase your level of cover.

Unless requested by you, your cover will increase each year by 3% or with changes in the Consumer Price Index, whichever is higher. This is to ensure your cover keeps up with the rising cost of living. You should still check your policy regularly to ensure the amount you're covered for still meets your needs.

We may also increase the underlying rates for your cover, which are applied to all customers on the same rate. If we increase your premiums, we'll give you 30 days notice.

You're covered for sickness or injury that leaves you Out of Action.

The definition of Out of Action depends on your age and whether you're working at the time of a claim. Out of action means:

Age: 18-64. Working at least 20 hours a week

We'll pay you for sickness or injury diagnosed by a medical practitioner if in their opinion and ours you're:

  • Unable to attend or engage in your usual occupation
  • Not working in or performing any occupation, whether income generating or not
  • Under the regular care of and following the advice of a medical practitioner, including recommended courses of treatment

Age: 18-64. Working less than 20 hours a week

We'll pay you for sickess or injury diagnosed by a medical practitioner if in their opinion and ours you're:

Unable to perform three or more of the following without the help of another person or using special equipment:

  • Cooking meals
  • Cleaning the home
  • Shopping for food
  • Providing care for children and/or dependent adults
  • Driving a car or using public transport
  • Not working in or performing any occupation, whether income generating or not
  • Under the regular care of and following the advice of a medical practitioner, including recommended courses of treatment

Age: 65-75

We'll pay you for sickness or injury diagnosed by a medical practitioner if in their opinion and ours you're:

Unable to perform two or more of the following without the help of another person:

  • Bathing - the ability to shower and bathe
  • Dressing - the ability to put on and take off clothing
  • Toileting - the ability to get on and off and use the toilet
  • Mobility - the ability to get in and out of bed and a chair
  • Feeding - the ability to get food from a plate into your mouth
  • Not working in or performing any occupation, whether income generating or not
  • Under the regular care of and following the advice of a medical practitioner, including recommended courses of treatment

You can also choose from a range of Optional Covers such as Involuntary Unemployment Cover.

For more details about your coverage and Optional Covers available, please refer to the Product Disclosure Statement (PDS)