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Edited by:

Ajust Content Team

Last updated:

August 4, 2025

Can you get a refund from
NRMA
? Check eligibility first

✅ Insurance Policies:

Cancel within 21 days (cooling-off) and no claims = full refund.
After 21 days = pro-rata refund minus ~$33 cancellation fee.
No refund if a claim has been paid out (e.g. car written off).

🚫 Roadside Assistance Memberships:

Generally non-refundable once active.
Only exception: you cancel within 7 days of joining/renewal and haven’t used the service.

🎫 Travel Bookings (Parks, Tours, Tickets):

Refunds depend on the provider’s cancellation policy.
Some allow full refunds if cancelled early; others offer partial or no refund close to event/stay.

⚖️ Australian Consumer Law Protections:

If NRMA cancels or fails to deliver a service, you're entitled to a refund (even beyond their standard terms).

How to get a refund from
NRMA

Insurance: Call 132 132 or log in to your NRMA Insurance account → Cancel Policy.
Membership: Call 13 11 22 – refunds only in cooling-off (7 days, unused).
Travel Bookings: Refer to booking confirmation. Cancel via platform or contact the listed provider.
Provide Info: Have your policy number or booking details handy.
Get Confirmation: Request written proof of cancellation and refund details.
Watch Your Account: Refunds go to your original payment method unless otherwise arranged.

Tip: Always ask for a reference number and ETA for the refund.

NRMA
’s refund timeframe - how long it takes

⏳ Insurance: 5–15 business days post-cancellation.
‍
⏳ Membership: Same timeframe if eligible (7-day rule).
‍
⏳ Travel Bookings: 5–10 business days if handled by NRMA directly; may take longer if via third-party.
‍

📩 NRMA will notify you when a refund is processed - the actual deposit may appear days later, especially for cheques or during holiday periods. If nothing appears after 15 business days, follow up.

NRMA
’s refund methods - how you'll get your money back

💳 Credit/Debit Card: Default refund method - goes back to the card used.
‍
🏦 Bank Transfer: Used if card is expired or original payment was cash/BPAY.
‍
✉️ Cheque: Rare, but possible if electronic refund isn’t feasible.
‍
🎁 Vouchers/Gift Cards: Non-refundable in most cases; if used partly, only the cash portion is refunded.

📜 Cancellation letters will confirm the method. If unclear, ask NRMA support to confirm.

Common refund issues with
NRMA

🚫 No Refund on Membership Cancellations (after cooling-off).
‍
🕒 Delays: Caused by expired card details or bank processing.
‍
💸 Surprise Fees: $33 insurance cancellation fee catches some off guard.
‍
❓ Partial Month Confusion: Monthly payers may think they’re ineligible, but small refunds do happen if you paid ahead.
‍
🌏 Wrong Region Membership: NSW-based NRMA memberships don’t always work interstate. Refunds may be denied unless unused.

Always double-check eligibility before canceling and keep your refund expectations realistic.

NRMA
cases submitted through Ajust

Customer experiences with
NRMA
refund cases

Insurance Pro-Rata Refund: A user cancelled car insurance mid-term and got the balance back minus the admin fee.

Interstate Membership Dispute: A customer accidentally joined NRMA in Victoria. A refund was only granted after weeks of back-and-forth and escalation.

Goodwill Waiver: A long-time insurance customer who didn’t drive post-renewal had their cancellation fee waived and received nearly a full refund.

How
NRMA
Refund Policy Compares to Competitors

🏠 Insurance (vs AAMI, Allianz, etc.):

NRMA charges ~$33 cancellation fee.
Many others (e.g. AAMI, Allianz) don’t charge at all.
Otherwise, refund rules are similar: pro-rata refunds, no refund post-claim.

🚗 Roadside Assistance (vs RACV, RACQ):

No clubs offer refunds mid-term - NRMA is standard here.
Transferable coverage between states exists, but no refund for overlaps.

🧳 Travel Bookings (vs OTAs):

NRMA travel refund policies align with tour providers or parks.
Advantage: NRMA may waive/reduce fees for members.
Disadvantage: If third-party, you’re subject to external rules (like with Booking.com or Expedia).

📍 Summary: NRMA is consistent with industry norms - except for the cancellation fee on insurance.