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Terms & Conditions

Important information

Please read each of the following important notices before proceeding. By ticking 'Continue' you confirm that you have read these notices and that you have read and downloaded our Financial Services Guide and the National Motorcycle Insurance Product Disclosure Statement.
  1. Your duty of disclosure

    Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.

    If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.

    You have this duty until we agree to insure you.

    If you do not tell us something

    If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

  2. Privacy Collection Statement

    We are committed to protecting your privacy. We collect the personal information we need to assess insurance applications, provide quotations, issue insurance policies and assess claims made under them. We may not be able to do these things if you don’t provide the information we need.

    We provide your personal information to the insurer that underwrites your insurance and our related companies. We provide your name and policy number to any intermediary that arranged your policy or referred you to us. We may also provide relevant personal information to our trusted suppliers including financiers, loss adjusters, assessors, surveyors, repairers, professional advisers, document storage centres and IT service providers. If you make a claim, we may also need to provide relevant personal information to authorities (such as the police, licensing and registration bodies and the Australian Financial Security Authority) and to other insurers in the event of recovery or litigated action.

    We may use your contact details to send you marketing communications that we believe will be of interest to you. You can opt out from receiving these at any time.

    Our Privacy Policy contains more information about how we manage your information including how you can access it, ask us to correct it or make a privacy related complaint. This is available free of charge on our website and on request by telephone: (02) 8920 1157 or email: contact@nminsurance.com.au.

  3. Financial Services Guide

    Please read, download and save our Financial Services Guide (FSG). This contains important information about the services we provide, how we are paid, and our complaint handling process.

  4. Product Disclosure Statement

    Please read, download and save the National Motorcycle Insurance Product Disclosure Statement (PDS). This describes the features, benefits, terms, conditions, limits and exclusions applicable to the insurance.