- These terms and conditions (Offer Terms and Conditions) apply to the NRMA Insurance 100th Birthday Offer for South Australia (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 or Eligible Home Policy (see paragraph 3) online or over the phone during the Offer Period (see paragraph 5) (Eligible Recipient).
- The Offer is available on any new:
a. NRMA Comprehensive Car Insurance, Comprehensive Plus Car Insurance or Comprehensive Basics Car Insurance policy with a South Australia (SA) risk address (Eligible Car Policy);
b. NRMA Home Buildings Standard Insurance, Home Buildings and Contents Standard Insurance, Home Buildings Plus Insurance, or Home Buildings and Contents Plus Insurance policy with a South Australia (SA) risk address (Eligible Home Policy), that is taken out online at www.nrma.com.au or over the phone with NRMA Insurance call centre staff during the Offer Period (see paragraph 5). Assets to be insured that do not have their risk addresses located in SA are not eligible for this Offer. The Car Promo Code or Home Promo Code (as applicable – see paragraph 4) must be entered and applied into the relevant field within the online quote flow, or mentioned over the phone 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 Car Promo Code or Home Promo Code within the online quote flow, please call us with your online quote number and ask the NRMA Insurance telephone representative to apply the Car Promo Code/Home Promo Code for you.
- For any Eligible Car Policy or Eligible Home Policy being a:
a. Comprehensive Car Insurance, Comprehensive Plus Car Insurance, or Comprehensive Basics Car Insurance policy, the promotional code is 100CAR (Car Promo Code),
b. Home Buildings Standard Insurance, Home Buildings and Contents Standard Insurance, Home Buildings Plus Insurance, or Home Buildings and Contents Plus Insurance policy, the promotional code is 200HOME (Home Promo Code).
The Car Promo Code and Home Promo Code are each a Promo Code.
- This Offer commences at 12:00am AEST on 1 October 2025 and closes at 11:59pm AEDT on 9 January 2026 (Offer Period).
- Under this Offer, and subject to the terms of this Offer, NRMA Insurance will provide (as applicable):
a. a discount of $100 off the premium on Eligible Car Policies and $200 off the premium on Eligible Home Policies, if the relevant Promo Code is entered and applied into the relevant field within the online quote flow;
b. a discount of $100 off the premium on Eligible Car Policies and $200 off the premium on Eligible Home Policies, if the relevant Promo Code is mentioned to and applied by the applicable NRMA Insurance representative when taking out an Eligible Policy over the phone.
For example and subject to paragraphs 7 and 8, if the premium for an Eligible Car Policy is calculated to be $500 after all other applicable discounts have been applied, and the relevant Car 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 $100 so the premium for that new Eligible Car Policy will be $400. This Offer will not apply to any renewal of an Eligible Policy. There is no limit to the number of times that an Eligible Customer can benefit from the discounts described above in relation to Eligible Car Policies or Eligible Home 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 and Eligible Home 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.
- This Offer will not apply to any additional premium payable for any amendments made to an Eligible Car Policy or Eligible Home Policy after it is taken out (including amendments made on the same day as taking out the relevant policy).
- 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 policy or Eligible Car Policy or Eligible Home Policy. If a customer decides to take advantage of this Offer by taking out an Eligible Car Policy or Eligible Home 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 or Eligible Home 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 Trade Insurance
j. Information and Communications Technology Liability Insurance
k. Home Contents Standard Insurance
l. Home Contents Plus Insurance
m. Residential Strata Insurance
n. SA Compulsory Third Party (CTP) Insurance
o. All Motorcycle Insurance
p. All Landlord Insurance
q. All Business Insurance
r. All Professional Indemnity Insurance
s. 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 or Eligible Home 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 $100 OR $200 (AS DESCRIBED IN PARAGRAPH 6).
- 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 https://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 Insurance Car, Home Buildings, and Home Buildings and Contents 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.
