Nrma Vintage And Classic Insurance

[Nismo 3.2ish]

Good Peter,

This thread is delivering so far, for what it is.

It still needs to stand the test of time should something go haywire.

Hi Terry, yes it is easy when they are just taking your money the real test is if you stack it, this is when you find out if you have saved $$$$$$$$$$$$$$s,

[Xizor]

When i spoke with NRMA about this cover they flat out refused to insure me as it is not my secondary vehicle, even though i rarely drive as i live 100 meters from the train station for that very benefit.

They also said if i were to make a claim and it was discovered i did not have a primary vehicle, or the car was being used contrary to the policy (even going to the local shops, how stupid!!) then a claim would be rejected.

Sounds like they being quite shifty with this cover..

[Anfanee]

from the actual terms and conditions:

 we will not cover your vehicle if it is

• used on a regular basis for shopping, commuting to and from work, or to transport friends and family

• driven more than 8,000km during a 12 month period, or

• used for a business purpose or for hire,

The key word there is used on a regular basis

that's probably why they won't insure you. As you would have to use it to do shopping on a regular basis?

To say they won't cover you if you are heading to the shops at all is odd. I would say it has more to do with the fact you don't have another car.

[RBN1]

When i spoke with NRMA about this cover they flat out refused to insure me as it is not my secondary vehicle, even though i rarely drive as i live 100 meters from the train station for that very benefit.

They also said if i were to make a claim and it was discovered i did not have a primary vehicle, or the car was being used contrary to the policy (even going to the local shops, how stupid!!) then a claim would be rejected.

Sounds like they being quite shifty with this cover..

Interesting.

I like a lot of people on here have another car that is used as a daily. The wording on the policy is interesting to say the least.

That said, as far as i'm concerned whenever I get into it, it's for recreational purposes.....

[Anfanee]

For example, i told them that i would be driving my car to and from work occasionally (like maximum 1 day a week, if that) and they still insured me.

[Anfanee]

Interesting.

I like a lot of people on here have another car that is used as a daily. The wording on the policy is interesting to say the least.

That said, as far as i'm concerned whenever I get into it, it's for recreational purposes.....

Also this ^^

To say it's for recreational purposes is very loose....

[walkoau]

So.... Do you have to be going to an event or something to be covered?

If so that's silly.

I take my car out for random drives on the weekend (with my family. Wife and son). Am I not covered for this.

Perhaps we need a spokesman from nrma to confirm what a "regular" basis is.

I might drive my car to work maybe once every three months. Would it not be insured for that. If so I may as well cancel the policy. If I didn't do this the car might sit in the garage for 6 months at a time without being driven.

[RBN1]

So.... Do you have to be going to an event or something to be covered?

If so that's silly.

I take my car out for random drives on the weekend (with my family. Wife and son). Am I not covered for this.

Perhaps we need a spokesman from nrma to confirm what a "regular" basis is.

I might drive my car to work maybe once every three months. Would it not be insured for that. If so I may as well cancel the policy. If I didn't do this the car might sit in the garage for 6 months at a time without being driven.

?

No we don't need a spokesman/woman/cat/mouse. I suggest you take a read of your insurance policy. They're just wording it so policy holders are not using their cars as daily drivers and are using it mainly for recreational purposes.

Again - read your insurance policy.

[walkoau]

?

No we don't need a spokesman/woman/cat/mouse. I suggest you take a read of your insurance policy. They're just wording it so policy holders are not using their cars as daily drivers and are using it mainly for recreational purposes.

Again - read your insurance policy.

I have read the policy. And very impressed with nrma classic and vintage and their prices. Hence the reason for me starting this thread.

But in all honesty (as has been said in above posts) the words they use in the policy can be interpreted many ways.

[RBN1]

I have read the policy. And very impressed with nrma classic and vintage and their prices. Hence the reason for me starting this thread.

But in all honesty (as has been said in above posts) the words they use in the policy can be interpreted many ways.

Just don't use the car as a daily driver and you're insured.

Enjoy the cheap insurance for your second car that you use mainly for recreational purposes, doing limited km's per year.

[Anfanee]

i can 100% confirm you can drive your car to work and to the shops. I confirmed it when i signed up.

You just can't be doing it on a regular basis. I said i would be doing it max 1 time per week. They said that's fine and insured me.

They also insured me as a 22 year old with a GTR insured for 35k.

In saying all that....

They don't look at your KM's each year... and ACT doesn't have annual RWC.... So how do they know i don't do like 20,000km a year? (i would be lucky to do 5,000 lol)

[djvoodoo]

I believe NRMA will do random 'audits' and get the KM history from the RTA. Not that hard to find out...

Pink Slip station writes down the ODO each year.

Different if you 'swap' out ODO's, but how many times can you get away with that lol

[Xizor]

from the actual terms and conditions:

 we will not cover your vehicle if it is

• used on a regular basis for shopping, commuting to and from work, or to transport friends and family

• driven more than 8,000km during a 12 month period, or

• used for a business purpose or for hire,

The key word there is used on a regular basis

that's probably why they won't insure you. As you would have to use it to do shopping on a regular basis?

To say they won't cover you if you are heading to the shops at all is odd. I would say it has more to do with the fact you don't have another car.

Mate, i kid you not. I told the lady i live less than 100m from the train station. She could check my address. And one stop on the train gets me to 2 major shopping shopping centers that contain everything, again, extremely close to the station. She also said some stuff about oh if i had an accident i would need to use the car and that would breach it as its not allowed to be my primary car.. seriously (though there is a hospital 1 stop by train too!). I do not need to use my R33 for ANYTHING regular. The only regular consistant thing would be getting petrol once a month or so.

There was absolutely no misunderstanding of how i use the car she just flat out just wanted to deny it.

Edited March 12, 2015 by Xizor

[r32-25t]

I have posted in this thread multiple times read the pds or it could cost you big time, finally someone has actually read it and now it's become a big discussion

[Xizor]

I read the policy booklet and i did not see it written anywhere that you had to have a primary car. Only that you do not use it regularly for work, shopping, do under 8k KMs etc, which i EASILY meet.

[walkoau]

Mate, i kid you not. I told the lady i live less than 100m from the train station. She could check my address. And one stop on the train gets me to 2 major shopping shopping centers that contain everything, again, extremely close to the station. She also said some stuff about oh if i had an accident i would need to use the car and that would breach it as its not allowed to be my primary car.. seriously (though there is a hospital 1 stop by train too!). I do not need to use my R33 for ANYTHING regular. The only regular consistant thing would be getting petrol once a month or so.

There was absolutely no misunderstanding of how i use the car she just flat out just wanted to deny it.

I would call back and talk to someone else. And if you still get the same answer, ask for a manager to confirm it 100%.

I don't recall the girl I spoke to asking me much, except for it not being a regular used car. Didn't ask me about a second car at all.

[r32-25t]

It says straight out it can't be your primary vehicle and is to be used only for recreation purposes, ie. Can't be used for shopping, picking your kids up from school or sporting practice or commute to work

[GTR-N1]

NRMA after your car has been in an accident, can request for Odometer Records from Service NSW < formerly RMS < formerly RTA.

This is how they'll secure data that's tangible - in black and white.

Post #172:- djvoodoo - Dave - alluded to that.

NRMA after an accident, can also request for registration of your primary vehicle.

This will also be tangible.

Post #177:- Thanks Brett

[Anfanee]

Thats what i mean though...

ACT doesn't have that system. They don't record any of that. The RTA (Shopfronts) have no idea what KM we do here. No annual RWC or anything lol

[RBN1]

Thats what i mean though...

ACT doesn't have that system. They don't record any of that. The RTA (Shopfronts) have no idea what KM we do here. No annual RWC or anything lol

Same with VIC