[QLD, NSW, ACT, TAS] $100 off Comprehensive Car Insurance @ NRMA

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NRMA Insurance

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  tromboc on 08/02/2021 - 13:57

  +7

  Dear existing customers,

  Please churn away, we don't care for retaining you. If you're lazy enough, you'll stay anyway mwahahaha

  Sincerely,

  Don't give a (profanity)

  • 

    Nuggets on 08/02/2021 - 14:31

    +1

    It says existing customers should just make a new policy if they want to take advantage.

    • 

      tromboc on 08/02/2021 - 15:53

      Yes and losing any long term customer discounts which would amount to possibly (and in my case, definitely) more than $100.

      • 

        Nuggets on 08/02/2021 - 15:57

        I retained a loyalty discount (in fact it went up) from 5% to 7.5%.

        Perhaps there are some other discounts you get.

• 

  brownsound on 08/02/2021 - 14:04

  +5

  Mum-in-law was paying 1600/yr for NRMA comprehensive (2012 Corolla), one year she complained it was too expensive and they bumped it down to $900 no questions asked.

  NRMA = Mark-up kings

  • 

    onlinepred on 08/02/2021 - 14:36

    +1

    To be fair, they all are. You are only a sucker if you stay with a certain provider without getting quotes from others each year. Even just calling up and asking why there has been a price hike will often result in a discounted premium.

    • 

      bio on 08/02/2021 - 14:42

      +1

      I'm not sure if there is a law about that is not being enforced, but this practice should certainly be illegal. To be clear, "asking why there has been a price hike" should not "result in a discounted premium".

      • 

        andresampras on 08/02/2021 - 14:46

        +1

        I'd like to agree with you but the fact is they send you a renewal quote every year. It's only if you do nothing that you pay the indicated figure each year.

        • 

          bio on 08/02/2021 - 14:47

          @andresampras: Err, yes I get that. That's what I think should be illegal.

          • 

            andresampras on 08/02/2021 - 14:50

            +1

            @bio: Which bit? signing you up automatically at the new rate?

            You can cancel at any time and get a pro-rata refund.

            Not sure what your complaint is. The alternative is they don't renew automatically, and you're stuck without car insurance until you decide to do something about it.

            • 

              bio on 08/02/2021 - 16:49

              @andresampras: No, signing me up automatically at the new rate and giving me a discount as soon as I call them, meaning that they tried to f*** me up in the first place.

              Now bargaining has its place, but just automatically signing you up with an inflated rate unless you notice is plain theft.

              • 

                andresampras on 08/02/2021 - 16:57

                @bio: Look I'm all for a bargain but they are running a business. It's up to them to set their price based on whatever their actuaries etc advise.

                Perhaps what they are actually doing is handing out a small number of discounts just to keep some customers from going elsewhere. Perhaps the product isn't as viable if they offered the discounted rate to everyone.

                I'm just spitballing here - there could be any of a million reasons to do what they do. Not defending them, just saying that occasional one-off discounts are not an indication that a business can afford to always do them.

                And even if they can afford it, we go back to the fact they're a business competing in a marketplace. You are free to go to another provider but accusing one or all players of 'plain theft' is a bit too simple and biased.

                By your logic, any time a customer gets a non-advertised discount, from any store or service provider, it is reason to be outraged because they should've given you the cheapest possible price in the first place.

                You obviously don't run a business.

                • 

                  bio on 08/02/2021 - 17:02

                  @andresampras: It's not their fault. That's why it should be illegal (or regulated). If everyone plays with the same rules (i.e. quote the best price you can and don't change it unless a clause in the policy changes) they won't have to employ such tricks.

                  Current situation forces consumers to shop around and/or play games with their provider and in turn ends up being counterproductive for the whole industry. Ask any person on the street and they will tell you that insurance is a scam. It doesn't have to be that way.

                  Edit: I run a (consultancy) business, but if I quote my client $2X for the same job I did for $X last year and say "oh, I can also do it for $X" when they call me to ask for the reason I doubled my price, they wouldn't work with me again, ever.

• 

  Gomo on 08/02/2021 - 14:07

  Nice, just in time for some cover on 2021 Tesla Model 3 SR+

  Being with NRMA Gives me 20% discount on the use of the NRMA Branded chargers same for all chargefox stations :)

• 

  Fvistr0 on 08/02/2021 - 14:18

  I got the comprehensive from nrma on 02/02/2021 (last week) for 1x year, end up paying $68.80 monthly.
  Tried to get the new quote online with $100 discount today (Same car, same details, same address and all information). Getting $73.63 / month with discount applied lol

• 

  dylanando on 08/02/2021 - 14:20

  +2

  Mine went from $98pm to $250pm. No thanks

• 

  BluBoy on 08/02/2021 - 14:43

  +3

  Somehow, even with the discount, this is still more than $100 above the price of my current insurer.

  … Check the numbers before you sign up to these 'deals'.

• 

  wetwork on 08/02/2021 - 14:44

  +2

  Thanks, but I gave up on NRMA a couple of years ago when the premium increased massively.
  Used them for 25 years previously. And yes, I tried for a "new customer" discount, but still very highly priced for my cars.
  As for my house - the premium would be 6x their competitors, for some reason.

• 

  hippyhippy on 08/02/2021 - 15:48

  You need to carefully check the options.. I find that picking market rate instead of set insured value was quite cheaper

• 

  HeWhoKnows on 08/02/2021 - 15:50

  +1

  A bit of advice with NRMA, GIO and other major insurers

  Before you think anything is a good deal find out what their market value is for your vehicle.

  The fact is they are not all the same.
  Some use Glasses guide. Others use RedBook Then others I dont know.

  Its always worth paying a bit more if thier market value is siginificantly higher.
  And sometimes you can get away with paying less.

  In the end you could be short changing yourself a few thousand dollars in a write-off situation.
  And the lower the market value the higher the chances of a write-off (not good)

• 

  chuneeperformance on 08/02/2021 - 16:52

  I had existing policy up for renew… Did a new policy just to see any the difference was $255… After the $100 discount… Same details etc etc