Am I Able to Get Partial Car Insurance Payments Refunded?

Hi All,

Just wondering if I would be able to get a month's worth of car insurance refunded. My car has been at the repairers for a month and a half now through insurance. Repairs were meant to have been completed within 3 weeks but after they stripped down the car they said further repair works were required. As I haven't been able to drive it for a month and a half, would I be able to ask for a refund? The insurance is with NRMA. If it helps, I also have home and other vehicles insured with NRMA and a long term customer.

Has anyone been able to get a refund in a similar situation?

Thanks!

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Comments

  • +16 votes

    what did NRMA say when you asked them?

  • +8 votes

    Really, your car is being repaired under an insurance claim and you don't want to pay the insurance premium for the car.
    Good luck.

    But give them a call; their call centre usually has an end-of-year database of the craziest calls they received, you might qualify.

    BTW, you are paying an annual premium but on a monthly instalment basis.

  • +1 vote

    As I haven't been able to drive it for a month and a half, would I be able to ask for a refund? The insurance is with NRMA.

    No. For one thing - the insurance still protects your car while it's at the repairers, on the off chance something happened to it there. But it's free to call them up and ask and the worst they can do is say no.

  • -1 vote

    Call them and ask nrma the exact same thing you said on your post. I wouldn't be surprised if they did give a refund for a week or 2.

  •  

    Usually, if your car is under maintenance and wants some relaxation from an insurance company, it will be applied in commercial vehicles only. Better if you check the terms and conditions of your policy with NRMA.

  • +1 vote

    Did you get a courtesy car while your car is being repaired?

  • +1 vote

    Yes.

    Wait a sec. No.

    Hold up. Maybe.

    Definitely maybe.

  • +3 votes

    Just wondering if I would be able to get a month's worth of car insurance refunded.

    Of course you can.

    Just contact your insurance company and ask for 1/12 of your annual premium back and in exchange they will only need to repair 11/12ths of your car.

    I'm sure they'll agree - for entertainment value. They have a pretty boring life putting up with stupid questions everyday.

  • +1 vote

    Hahahahhhah…. No

  • +3 votes

    Good thing you asked here instead, they'll only refund if we ozbargainers give them the approval. They know nothing and have no power over their products.

  • +4 votes

    Do you even know how insurance works ? If you did you wouldnt be asking this question.

  •  

    dis The insurance company cause the damage? If they did then they would be liable to recompense you for your losses.

  •  

    As I haven't been able to drive it for a month and a half, would I be able to ask for a refund?

    What if something happened to your car whilst it was being repaired? Don't be silly like the people who cancel their insurance when they go overseas for a few months and come back to find their car stolen or vandalised or whatever with no recourse.

  •  

    Were you provided a loan car whilst yours was in for repair?

  •  

    Shannons have a cheaper premiums under laid up cover for when your not driving your car.

  • +1 vote

    No. Because your “monthly” premium is actually an annual premium, charged monthly. You don’t pay for monthly insurance, you pay for annual insurance. In fact, you probably would have been charged the unpaid portion of your annual premium when making the claim?

    •  

      Bingo! The unpaid portion will probably be added to the final bill along with the excess payable. So OP should consider himself lucky that he gets to continue paying that down while repairs are underway :)

  • +3 votes

    I’m in a similar situation. My motorbike is fully insured, but this year I’ve only been riding on weekends. Do you think I’ll be able to get a partial refund from my insurance company because I haven’t been riding weekdays?

  • +1 vote

    The answer is in the Product Disclosure Statement.

    Without sufficient notice the answer would be no.

  •  

    "Further repair works were required". This a common M.O. of repairers, quote cheap, and then add on 'costs'. But to answer your question, "No"