12 months NRMA Everyday Care Roadside Assistance Offer for NRMA Insurance customers in South Australia

1. The promoter of the Offer, and the issuer of NRMA Car Insurance, is Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance of Tower 2, Darling Park, 201 Sussex Street, Sydney NSW 2000 (Promoter or NRMA Insurance).

2. NRMA Everyday Care roadside assistance membership is provided by National Roads and Motorists’ Association Limited ABN 77 000 010 506 trading as NRMA (NRMA) which is separate and independent from NRMA Insurance. NRMA provides Everyday Care roadside assistance membership, the “my nrma” app and other services. Everyday Care roadside assistance for South Australia customers has different allowance and benefits to NRMA's standard Everyday Care product. For full features and benefits, refer to the Consumer Roadside Terms & Conditions Everyday Care (South Australia).

3. NRMA Insurance and NRMA are separate and independent operating entities.

The Offer

4. These terms and conditions apply to the NRMA Insurance “NRMA Everyday Care Roadside Assistance South Australia” offer (Offer). Under the Offer, Eligible Customers may obtain discounted NRMA Everyday Care Roadside Assistance South Australia membership (Membership) as follows:

a. for the initial twelve (12) months Membership, the Membership fee is discounted to $0 (Year 1 Offer); and
b. for the next consecutive twelve (12) months of the Membership obtained under the Year 1 Offer, the Membership Fee is 50% of the RRP (determined at the date of Membership renewal) (Year 2 Offer).

5. By accepting the Offer, you agree to these terms and conditions.

Offer Period

6. The Offer commences at 11.59 pm on 30 October 2025 and ends at 11.59pm on 31 October 2027 (Offer Period). NRMA Insurance may extend the Offer Period at its discretion.

Eligibility

7. The Year 1 Offer is available to customers who:

a. are over the age of 18;
b. have a South Australia risk address;
c. at the time of taking out the Eligible Policy, do not have a roadside assistance membership with NRMA for the vehicle that is being insured (identified by its registration number), other than membership obtained through this Offer.

(Year 1 Eligible Customers)

8. The Year 2 Offer is available to customers who:

a. were eligible for, and accepted, the Year 1 Offer;
b. continue to have a South Australia risk address; and
c. whose Year 1 Offer Membership comes up for renewal, and is renewed, within the Offer Period (Year 2 Eligible Customers).

The Year 1 Eligible Customers and Year 2 Eligible Customers are, together, the Eligible Customers.

9. The Eligible Policies are only:

a. NRMA Insurance Comprehensive Plus car insurance;
b. NRMA Insurance Comprehensive car insurance,
c. NRMA Insurance Third Party Fire & Theft car insurance; and
d. NRMA Insurance Third Party Property Damage car insurance.

(Eligible Policies, each an Eligible Policy)

Exclusions

10. The Offer is not available:

a. to existing NRMA Members who hold a NRMA Roadside Membership (unless membership was obtained through the Year 1 Offer);
b. to persons who are under 18 years’ old at the time of purchase or renewal of the Eligible Policy;
c. NRMA members who cancel their NRMA Roadside Membership for the insured car from the time of taking out the Eligible Policy during the Offer Period for the purpose of taking advantage of this Offer;
d. for “Join on Road” and “Join and Go” subscription packages that are entered into, renewed, added-on or upgraded at the time of breakdown or use with any other offer; e. in conjunction with any other offer from NRMA Insurance;
f. for motorcycles or scooters; or
g. for any other NRMA Insurance policy which is not an Eligible Policy, including:
i. Business Insurance;
ii. Farm Insurance;
iii. Fleet Insurance;
iv. Motor Trade Insurance;
v. Veteran, Vintage and Classic Car Insurance;
vi. Motorcycle Insurance; and
vii. Home, Building and Content Insurance.

Offer acceptance

11. To accept the Year 1 Offer, an Eligible Customer must:

a. during the Offer Period, purchase a new, add a new, or renew their existing Eligible Policy over the phone by calling 1300 676 272, or online at www.nrma.com.au/car-insurance

b. if:
i. purchasing online, select roadside Everyday Care option RSASA25
ii. purchasing over the phone, mention to the customer service staff they would like to take up the Offer (subject to eligibility);

c. either:
i. pay for the Eligible Policy immediately in full or continue the policy after 30 days of taking out the Eligible Policy.

12. To accept the Year 2 Offer, an Eligible Customer must, during the Offer Period:

a. follow the renewal instructions for their membership obtained under the Year 1 Offer, as set out in any renewal email from NRMA or NRMA Insurance;
b. pay the applicable discounted Membership Fee as set out in clause 4; and
c. renew their Eligible Policy.

(Offer Requirements)

13. By accepting the Offer, Eligible Customers agree to becoming a member of the National Roads and Motorists' Association Limited and be bound by its Constitution and Membership Terms and Conditions that are available at mynrma.com.au.

Offer administration and limitations

14. The Offer is only available for use with the car insured under the Eligible Policy. Each Eligible Customer that meets the Offer Requirements will receive a confirmation email from NRMA within 45 days after having taken advantage of the Offer, confirming that their Membership is active.

15. Membership commences from the date of creation (being the date the Year 1 Offer is accepted by the Eligible Customer completing the requirements in paragraph 11), however there is a 48 hour waiting period before the Membership can be used to obtain roadside assistance. A surcharge applies for immediate service.

16. Eligible Customers who have taken out at Eligible Policy during the Offer Period and have otherwise complied with these terms and conditions and require roadside assistance prior to their Membership being created pursuant to this Offer, should contact NRMA on 1300 676 272.

17. The discounts available in this Offer (comprising the Year 1 Offer and Year 2 Offer) is only as set out in clause 4 above. Membership renewal beyond the timeframes stipulated for the Offer (including any year 2 renewal outside the Offer Period, even where you were eligible for the Year 1 Offer) is available at standard cost, at the Eligible Customer’s expense.

18. Unless otherwise required by law, if an Eligible Customer who has taken up the Offer cancels their Membership before the end of the Membership term, the maximum refund they may receive is a pro rata portion of the Membership Fee, calculated based on the unexpired portion of the Membership term.

19. NRMA may, in its discretion, upgrade the Eligible Customer’s roadside assistance membership depending on the type of car the Eligible Customer has insured or the Eligible Customer’s residential address.

20. Whether NRMA Insurance issues a policy and on what terms is subject to its normal underwriting criteria and practices.

21. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), NRMA Insurance (including its officers, employees and agents) excludes all liability (including negligence), for any personal injury, or any loss or damage (including loss of opportunity), whether direct, indirect, special or consequential, arising in any way in connection with this Offer, including but not limited to any technical difficulties or equipment malfunction (whether or not under NRMA Insurance’s control). Nothing in these 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).

22. 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 Customers will not be entitled to any additional compensation in the event of substitution.

23. NRMA Insurance reserves the right to disqualify any person that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.

24. NRMA Insurance (subject to State and Territory legislation) reserves the right to amend, 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.

25. To see if a product is right for you, always consider the Product Disclosure Statement and Target Market Determinations available from nrma.com.au.

Privacy

26. 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 terms and conditions, you consent to the storage, use and disclosure of your personal information by NRMA Insurance in accordance with its privacy policy (at https://www.nrma.com.au/privacy). 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.

27. By accepting this Offer, you agree:

a. that NRMA Insurance may contact you, including via email, in relation to the renewal of the Membership obtained under this Offer (including any promotions related to such renewal), and that such renewal-related electronic communications will not contain an unsubscribe facility.
b. to NRMA contacting you in accordance with its Privacy Policy, in relation to this Offer and the operation of the NRMA Roadside Assistance product. For details about how NRMA deals with your personal information, please visit www.mynrma.com.au/privacy-policy.

28. By accepting this Offer, Eligible Customers agree to NRMA Insurance providing their personal information (including name, age, address, email address phone number, car registration number, vehicle details and gender) to NRMA for the purpose of fulfilling the Offer.