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NRMA business insurance

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What is covered in the NRMA business insurance policy?

What is covered in the easybiz@home businessinsurance policy, what is covered in the easyfarm business insurance policy, what is covered in the easybiz tradesperson business insurance policy, what is covered in the farm insurance policy, what is covered in the motor vehicle fleet insurance policy, what is covered in the motor trade insurance policy, who can benefit from nrma business insurance, talk to a broker about a business insurance, frequently asked questions, what you need to know.

• NRMA offers a wide range of cover for business owners of all kind.
• NRMA business insurance can help protect your reputation and business.
• A broker can help you find a tailored policy to meet your business needs.

Speak with an broker about getting business insurance today

• Fire and other defined events. This section provides cover when fire, lightning, explosion or earthquake cause loss, destruction or damage to your business. This includes cover for your buildings, your contents and trade stock.
• Business interruption . When fire, storm or other defined events cause damage or destruction to your business and you are unable to operate as normal, you’ll be covered for any resulting loss of profit.
• Burglary. This feature covers you when your business is burgled.
• Money. You are protected for the loss, destruction or damage of money in transit and on your business premises.
• Glass. NRMA Business Insurance provides cover for damage or breakage to windows, advertising signs, cabinets, shelving and mirrors.
• Broadform liability. When your business is liable for injury or property damage to a third party, this policy covers the cost of your legal defence and any compensation you must pay.
• Personal accident and illness. This benefit provides cover when accident and illness prevent you from working and earning an income.
• Other benefits. Your NRMA Business Insurance policy also provides cover for machinery breakdown, electronic equipment, motor vehicles, employee fraud or dishonesty, general property, multiple risks, tax audit and domestic house and contents.

Exclusions do apply to this policy and your claim will typically not be paid if:

• It is related to acts of war or terrorism
• It is for consequential loss
• It is related to an intentional act by you, or someone else with your knowledge
• It is related to your failure to ensure electronic equipment is Year 2000 compliant
• It is a result of a bushfire or cyclone.
• Fire and other defined events. This feature protects your contents, stock in trade and building when fire and other defined events cause loss, destruction or damage. The defined events include storm damage, lightning, explosion, earthquake, impact from trees and more.
• Burglary. If thieves break in and steal your contents or if they steal upon threat of violence, your policy provides financial protection.
• Business property away from home. This covers accidental damage to your stock in trade, tools, plant and equipment, electronic equipment and mobile phones when they are not at home.
• Business money. NRMA’s EasyBiz@Home Business Insurance provides cover for the loss, destruction or damage of your business’ money.
• Liability. If a third party lodges a claim that your business caused them to suffer a bodily injury or property damage , your policy will cover your resulting legal costs and any damages you must pay.
• Other benefits. NRMA’s EasyBiz@Home Business Insurance also provides cover for personal accident and illness, motor vehicles and your domestic house and contents.
• It is related to an act of war or terrorism
• It is for consequential loss of any kind
• It is fraudulent
• It results from you, or someone else with your knowledge, deliberately causing the loss, damage or destruction
• It arises from damage or loss caused by a bushfire or a named cyclone.
• Fire and other defined events. When fire, storm, lightning, explosion, earthquake and other defined events cause loss, destruction or damage, your policy provides essential financial protection. Items such as your building, contents, fencing, hay, livestock and mobile agricultural machinery are all covered.
• Burglary or theft. When you are the victim of burglary or theft, you’ll be covered for any loss you suffer.
• Broadform liability. When you are accused of being liable for causing bodily injury or property damage to a third party, NRMA’s EasyFarm Business Insurance covers the cost of your legal defence as well as any damages you are required to pay.
• Domestic house and contents. This covers your home and its contents against loss, destruction and damage caused by fire, explosion, lightning, earthquake, storm, malicious acts, riot, impact, theft and burglary.
• Motor vehicles. Comprehensive cover is available for your business’ motor vehicles , including self propelled agricultural machines and mobile plant and equipment.
• It results from your failure to ensure that your electronic equipment meets Year 2000 Conformity
• It is for the destruction or corruption of electronic data, except when caused by specific defined events
• It relates to acts of war or terrorism
• It is as a result of you, or someone else with your knowledge, deliberately causing loss, destruction or damage.
• Fire and other defined events. This benefit applies when your business suffers loss, destruction or damage caused by fire, storm, lightning, earthquake, explosion or impact of some kind. It includes cover for your building, contents and stock in trade.
• Burglary and transit. This covers you against burglary from your business premises, your private residence, an authorised person’s private residence, a securely locked motor vehicle or while your goods are in transit.
• Multiple risks. This covers accidental loss, destruction or damage to your business property.
• Broadform liability. If a third party claims your negligence resulted in them suffering an injury or in damage to their property, EasyBiz Tradesperson Business Insurance covers your legal liability. This includes court costs and any damages you have to pay.
• Other benefits. NRMA’s EasyBiz Tradesperson Business Insurance also provides cover for business motor vehicles and personal accident and illness.
• It is a result of your failure to ensure that electronic equipment meets Year 2000 Conformity
• It is the result of an intentional act by you, or someone else with your knowledge
• it arises from a bushfire or named cyclone.
• Fire and other defined events. If fire, storm, lightning, explosion, earthquake or some other defined event causes loss, damage or destruction, your NRMA Farm Insurance provides financial protection. Cover is provided for your buildings, contents, fencing, hay, livestock, machinery, produce bins, irrigation equipment, working dogs and mobile agricultural machinery.
• Domestic house and contents. Your home, contents and car will also be protected against loss, damage or destruction caused by fire and other defined events.
• Burglary or theft. If you find yourself a victim of burglary or theft, NRMA Farm Insurance offers financial protection to prevent you suffering a loss.
• Broadform liability. When the actions of your business lead to a third party suffering an injury or damage to their property, you may face claims that you are legally liable. Your policy covers resulting court costs as well as any compensation you may have to pay.
• Personal accident and illness. When you suffer an illness or accidental injury and are unable to work, your Farm Insurance policy will provide cover for any resulting loss of income.
• Other benefits are offered to cover additional working costs, property in transit, machinery breakdown, motor vehicles, electronic equipment and tax audit.
• Defined events. You will be covered for loss, destruction or damage caused to your vehicles by fire, storm, hail, flood, vandalism, theft of an accident. If the use of your vehicles results in you incurring a legal liability, this will also be covered by your policy.
• Additional benefits. Your policy also provides financial protection for a range of circumstances. These include towing to a repairer, recovery and return of vehicles following theft, emergency repairs, completion of journey, new replacement vehicles, lease payout, hiring costs following theft, use of trailers, replacement of locks and keys, disabled driver modifications and more.
• The vehicle was being driven by someone under the influence of alcohol or drugs.
• You enter into a contractual agreement that limits or excludes your rights of recovery.
• It is caused by a vehicle being unroadworthy or unsafe.
• It is the result of an intentional act of the person driving the vehicle, except in the form of normal evasive action or effort to prevent injury or damage.
• The vehicle was being used for an unlawful or illegal purpose.
• The vehicle was being used in racing or testing in preparation for racing.
• The vehicle was being used in a way that exceeded its carrying, lifting or towing capacity.
• The vehicle was being used in underground mines, shafts or tunnels.
• The vehicle forms part of your stock in trade.
• The vehicle was being driven by an unlicensed driver.
• The vehicle uses liquid petroleum gas (LPG) as a source of fuel.
• Fire and other defined events. This benefit provides cover when fire and other defined events cause loss, destruction or damage to your business buildings, machinery and other contents, and stock in trade. The list of defined events includes lightning, explosion, earthquake, riot, impact by trees, vandalism and malicious damage.
• Business interruption. When fire, storm and other specific events force your business to close for a period or make it impossible for you to operate at normal capacity, you’ll be covered for the resulting loss of profits until you return to normal trading.
• Burglary. This protects your business contents, premises and stock in trade when your business is targeted by burglars.
• Composite vehicles. This NRMA Motor Trade Insurance benefit covers loss, destruction or damage to the vehicle as well as legal liability.
• Glass. You’ll be covered for damage or breakage to shopfronts, windows, advertising signs, display cabinets, shelves and more.
• Broadform liability. If you become liable to pay compensation for causing personal injury or property damage to a third party, broadform liability protection will cover the cost.
• Professional indemnity . This provides protection when you are subject to claims of professional negligence that result in a third party suffering a loss.
• Other benefits. The policy also provides cover for money, personal accident and illness, electronic equipment, machinery breakdown, general property, employee fraud or dishonesty, tax audit, domestic house and contents, and composite watercraft.
• it relates to an act of war or terrorism
• It is for the destruction or corruption of electronic data, except when it arises from fire, theft or other defined events
• It results from your failure to meet Year 2000 Conformity for your electronic equipment
• It is caused by a bushfire or a named cyclone
• It is for business premises that are not occupied for a period in excess of 60 consecutive days. For domestic house and contents cover, your claim will be rejected in the building has not been occupied for a period in excess of 90 days.

Business Insurance for Domestic Services and Repair Businesses

NRMA Business Insurance offers policies designed to suit businesses run by handymen, domestic cleaners and anyone else who offers domestic services and repairs . Such policies combine some of NRMA’s most popular covers into one tailor-made business policy.

This includes public and products liability cover , general property cover, fire and defined events cover, personal accident and illness cover, and burglary cover. If needed, you can also elect to add a number of other options to your cover, such as business interruption insurance, motor vehicles insurance and more.

Business Insurance for Professionals & Consultants

Professionals like doctors, lawyers, accountants, real estate agents and more face unique risks whenever they do business. To look after the insurance needs of such professionals, NRMA has created policies tailor-made to suit.

Business insurance for professionals and consultants includes fire and defined events cover, burglary cover, money cover, glass cover, and public and products liability insurance. Of course, you also have the flexibility of including additional options with your policy, such as business interruption insurance, general property cover, machinery cover, electronic and equipment cover.

Public Liability Insurance

One of the risks many business owners face is becoming liable for causing injury or property damage to a third party. In such cases, businesses may find themselves being sued for negligence, which can be costly and also damaging to your reputation.

Public liability insurance covers you against claims of negligence in connection with your business that lead to injury or property damage. NRMA offers three levels of liability cover to suit a range of businesses: $5 million, $10 million and $20 million. This allows you to tailor the level of cover to meet the needs of your business.

Business Insurance for Hospitality

Those in the restaurant and hospitality business face a complicated array of risks every day. NRMA business insurance has created a specialist policy to provide essential financial protection against all those risks.

It includes fire and defined events cover, burglary cover, money cover, glass cover, and public and products liability cover. You can also add a range of other cover options to your policy if required, such as business interruption cover, general property cover, fraud and dishonesty cover.

Business Insurance for Retailers

NRMA Business Insurance can also be designed to suit the needs of retail businesses and market stall owners. This includes fire and defined events cover to protect against loss or damage, burglary cover to protect you when someone breaks into your premises, plus money cover for when cash is stolen from your premises.

Other features include protection against glass breakage to shop front windows and display cabinets, as well as public and products liability cover for third-party liability cover.

Business Insurance for Health & Medical Services

Doctors, dietitians, vets and a range of other professionals who provide health and medical services need insurance cover that offers protection against the unique risks their businesses face. With this in mind, NRMA business insurance offers a special policy for medical and health professionals.

It includes fire and defined events cover,burglary cover, money cover, glass cover, and public and products liability insurance. You can also elect to add optional protection for risks such as business interruption, general property, personal accident and illness, and fraud and dishonesty.

Business Insurance for Tradespeople

NRMA business insurance for tradies combines a selection of NRMA’s most popular business insurance covers. It offers public and products liability insurance to cover you against claims of negligence, fire and defined events cover for protection against loss and damage to tools and equipment, personal accident and Illness Insurance to protect your income when you suffer an illness or injury, plus general property protection.

If needed, you can also add other cover options such as motor vehicles, burglary, money, multiple risks, tax audit and machinery.

Business Insurance for Property Owners

Just as you need to protect your residential property against a range of risks, it’s also vital to take out insurance cover for commercial property. NRMA Business Insurance for property owners is designed to protect commercial properties now and well into the future.

It includes fire and defined events cover, business interruption cover, glass cover, plus public and products liability insurance. Other cover options you can add to your policy include burglary, machinery, general property, fraud and dishonesty, electronic equipment and motor vehicles.

Business Insurance for Motor Trades

NRMA also has a Business Insurance policy designed to satisfy the cover needs of mechanics, auto electricians, motor vehicle detailers and others in the motor trades. Such businesses can take advantage of fire and defined events cover, which provides protection against things like fire and storm damage, as well as burglary cover, glass cover, public and products liability cover and money cover.

To add an extra level of protection, businesses can also include protection against business interruption, machinery breakdown, general property loss or damage and electronic equipment breakdown.

Business Insurance for Farmers

Whether you’re a dairy farmer or run a big sheep station, you need insurance cover to help protect your business and your financial future. Farm Insurance from NRMA includes fire and defined events cover, personal home buildings and contents cover, burglary and theft cover, public and products liability cover, and motor vehicles and mobile equipment cover.

Farmers who require extra cover can add more options to their insurance package, such as farm property in transit, machinery breakdown, electronic equipment, and personal accident and illness.

When should I make a claim?

If an event occurs that could lead to a claim under your policy, there are certain steps you must take. If you have been burgled or suffered loss, theft or malicious damage to your property, contact the police immediately. For any claim, it’s also important that you take all reasonable steps to prevent or minimise any further loss, damage or liability.

Finally, advise NRMA of your claim as soon as possible, making sure to provide all necessary details of your claim.

What are the NRMA business insurance general exclusions?

As with any insurance policy, there are certain circumstances under which your NRMA Business Insurance policy will not be paid. These include:

• If your claim relates to loss, damage, destruction, injury, illness or liability relating to warlike activities or nuclear material
• If your claim is for consequential loss of any kind
• If your claim is false or fraudulent
• If the loss, destruction, damage or liability on which your claim is based or caused deliberately by you or someone else with your knowledge
• If your claim results from an act of terrorism
• If your claim is related to the destruction, corruption or erasure of electronic data, except when it arises from certain events such as fire, lightning or explosion
• If your claim arises from the failure of any electronic equipment to meet Year 2000 Conformity
• Cover will not be provided for a period of 48 hours from the time your policy commences for damage or loss caused by bushfire, grassfire or a named cyclone.

Alex Reid is Finder’s business insurance cadet. He has a Master of Marketing from the University of Technology Sydney, with a background in business and sales. When not writing about business insurance for Finder he's a keen scuba diver, recently completed his 200th hour underwater and his PADI Divemaster certification. Before working at Finder he lived in Hangzhou China, where he studied Mandarin and Chinese culture.

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Your insurance company may know more about you than you realize.

The technology that saturates today’s world — smart-home devices, drone images, fitness trackers, social media posts and telematics programs that monitor your driving habits — can help insurers piece together a detailed picture of your behavior.

Your permission isn’t always required. Many facts about your house, car and neighborhood are public records. Data brokers also gather and sell details about your activity, like which stores you visit, what you click online and the whereabouts of your mobile phone.

For a human, all that data is too much to process. But the ability of artificial intelligence to interpret data could upend the process of buying an insurance policy and filing a claim. As insurers face questions about fairness and privacy, some people may find it’s harder to get coverage. Others will benefit from cheaper rates, quicker applications and easier claims.

Faster insurance applications

Customers could see a shortened application process as insurance companies embrace AI.

Insurers may drastically cut the number of questions they ask in a home insurance application, says Peter Flynn, head of personal lines for the Americas at insurance consulting firm Xceedance.

“In the future, they might only ask five questions,” Flynn says. “But they might gather 5,000 additional data points, and they might interpret those 5,000 things in addition to the five answers they get from the applicant.”

Chicago-based Kin Insurance, for example, collects thousands of data points and “prefills” home insurance applications with property details like square footage, foundation type and number of bathrooms.

A similar shift is happening in life insurance underwriting , which traditionally requires a medical exam plus a health and lifestyle questionnaire. As AI models improve, more carriers offer accelerated underwriting — quickly issuing policies to low-risk customers based on digital medical records and other data, while flagging higher-risk applicants for conventional underwriting.

“You can put a little bit of information and they can return a rate that’s not based on somebody coming to your house and taking blood,” says David Embry, CEO of online insurance broker Mylo.

To get the most accurate rate, make sure your records are correct and up to date before starting a life insurance application . You might also want to have supporting documents — like a summary from your doctor about any medical conditions — ready to go.

More personalized insurance rates

Low-risk customers stand to save money as insurers use data to create increasingly personalized profiles of their users.

The auto insurance industry is leading the charge with telematics programs that monitor things like your speed, braking patterns and mileage, enabling insurers to base pricing on driver behavior.

“In an AI-enabled or machine-learning-enabled environment, they can take that to an infinite degree and gather and collect as much data as available and interpret it in real time,” making predictions based on an individual’s habits, Flynn says.

While low-risk buyers reap the benefits of a constantly fine-tuned prediction model, a 2020 report by the Organization for Economic Cooperation and Development warns of the potential downside of this approach. Slicing and dicing customers into smaller risk pools could effectively price some applicants out of insurance, the OECD report says.

For drivers, the smart approach is to compare car insurance quotes from several companies. Insurers don’t all use the same sources of data, and they weigh each factor differently.

Simpler claims, and maybe fewer of them

Filing an insurance claim can be a stressful experience. Insurers' use of AI could make the process smoother for customers and get them a decision — and their payout — much more quickly.

AI can help insurers identify the most urgent claims, reconstruct accident scenes, analyze medical records and flag cases for signs of fraud, according to a 2023 report by research firm Everest Group and professional services company Ernst & Young. Making claims more efficient is a priority for more than half of the property and casualty insurers surveyed, the report says.

New York-based insurer Lemonade says AI-based insurance fraud detection allows about 40% of its claims to be resolved within moments.

AI could even help prevent losses before the need for a claim arises — known as a “predict and prevent” model instead of the current “detect and repair” approach. For example, data relayed by smart-home devices could automatically trigger intervention if, say, a sensor catches early warning signs of a leak or a frozen pipe.

AI can also deliver feedback to drivers, helping them adjust their behavior. Programs like Allstate’s Drivewise reward those who avoid risky habits like speeding, hard braking or using a phone while driving.

But as the insurance industry integrates AI, there are concerns about cybersecurity, privacy and the potential for AI models to discriminate based on characteristics like race or gender.

The National Association of Insurance Commissioners issued guidelines in December 2023, encouraging insurers to correct errors in AI models and avoid bias. But each state creates its own rules, and regulation remains in its infancy stages.

Oversight will evolve, Flynn says. “But I’ll bet you the technology evolves faster than the regulation.”

On a similar note...

California’s home insurance crisis: What went wrong, how it can be fixed and what owners can do

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Climate change and extreme weather have contributed to catastrophic fires that destroyed thousands of California homes in recent years — and an insurance crisis that could result in the biggest set of regulatory changes since the passage of Proposition 103 in 1988.

Insurers have pulled back from the homeowners market, leading to a flurry of activity in Sacramento aimed at making coverage available and affordable for at-risk residents in places like the Santa Monica Mountains and Malibu. Here’s what’s going on — and some steps homeowners can take now to lessen the blow.

State Farm won’t renew 72,000 insurance policies in California, worsening the state’s insurance crisis

State Farm announced this week it will not renew 72,000 policies in California amid a tight insurance market.

March 23, 2024

How big a deal is this really?

The crisis reached new heights last week when leading insurer State Farm General announced that it wouldn’t renew 72,000 property owner policies statewide, joining Farmers, Allstate and other companies in either not writing or limiting new policies or tightening underwriting standards. The companies are blaming wildfires, inflation that raised reconstruction costs, higher prices for reinsurance they buy to boost their balance sheets and protect themselves from catastrophes, as well as outdated state regulations — claims disputed by some consumer advocates.

How is this pullback affecting homeowners?

“It’s really a tale of two states,” said Michael Soller, a spokesperson for the state Department of Insurance. If you are an owner, say, in the San Fernando Valley, you likely still have many insurance companies from which to buy a policy. But if you live in what is called the “wildland urban interface” — a hillside, canyon or other neighborhood close to nature — your options are likely limited and costly, if you can even get a policy. That has forced thousands of homeowners into the California FAIR Plan , an insurer of last resort funded by the industry that offers policies with limited coverage.

What is going on in Sacramento to resolve this?

There was an attempt last year to reach a fix in the Legislature but it fell apart , leading Insurance Commissioner Ricardo Lara to announce in September a package of executive actions called the Sustainable Insurance Strategy to reform the market by the end of this year, while getting buy-in from insurers. He got political backing for the move from Gov. Gavin Newsom, who issued an executive order asking Lara to take “prompt regulatory action,” noting how the crisis could freeze critically needed new housing development.

So how would this plan help policy holders?

The commissioner wants to speed up the review process for insurers seeking rate hikes and allow them to consider the projected costs of future catastrophes into their rates, as well as their costs for reinsurance that they can attribute to their California operations. The package also aims to move homeowners back onto the roles of commercial insurers and off the FAIR Plan, while improving the finances and coverage of the state’s insurer of last resort. “We are at a major crossroads on insurance,” said Lara, in introducing his reform package.

Will the commissioner’s reforms fly?

In February, Lara introduced draft regulations to streamline the rate approval process for insurers in the homeowners, auto and other markets, rules originally created by Proposition 103, the state’s landmark insurance reform law. Lara says the regulations were established in an “age of pagers and pay phones” and don’t precisely specify the materials and information for a timely review.

Some in Sacramento thought the reforms were straightforward, but they ran into stiff opposition from the Personal Insurance Federation of California, a lobbying group for property and casualty insurers, which claims they actually muddle the process while giving regulators too much authority. “They want to be able to say, ‘Well, if you want us to process your rate filing, you have to give us all this other stuff,’ which has nothing, nothing to do with the calculation,” said Federation President Rex Frazier.

His proposals to include so-called “catastrophe modeling” for future fires, storms and big insurance events, as well as the cost of reinsurance in premiums, are controversial among consumer advocates.

Lara has not yet released draft proposals for incorporating insurer reinsurance costs in rate reviews, nor exact proposals for getting insurers back into high wildfire-risk areas and getting homeowners off the FAIR Plan. However, insurers and the department reached a general framework last year that would require them to write no less than 85% of their statewide market share in those areas in exchange for his reforms. That means, for example, if an insurer has a 20% market share statewide, it would have to insure 17 out of 100 homes in such neighborhoods. Consumer Watchdog says both catastrophe modeling and reinsurance consideration in rate-making have worsened problems in Florida’s troubled homeowners insurance market, which has been battered by storm damage.

In the meantime, what can I do now if I live in high wildfire risk neighborhoods?

In 2022, Lara released draft regulations now in effect that require insurers to give discounts to homeowners who take steps to improve the wildfire resilience of their homes and property. They include installing a Class-A fire-rated roof, better vents, enclosed eaves and defensible spaces, among 10 specific actions that qualify for a discount. The department has already approved about 140 insurer rate applications that take the program into account.

What if I have trouble getting a rate quote?

The Insurance Department has a tool that allows homeowners to find out which insurers are writing coverage in their neighborhoods. It also will talk directly with distressed homeowners who call 800-927-4357 or access an online chat through insurance.ca.gov . The consumer group United Policyholders has worked extensively in this area and has its own online resources at uphelp.org .

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Car insurance rates are at a 50-year high. Here's 3 ways you can keep your costs low, according to an expert

• American car insurance rates have reached a 50-year high, outpacing inflation.
• Higher premiums and deductibles are driven by the climate crisis and increased accident risk.
• Drivers should prioritize safety, research insurance policies, and apply for discounts to save money.

American car insurance rates have hit a 50-year high, and drivers are paying the price.

Insurance has far outpaced the rate of inflation , with the US Bureau of Labor Statistics reporting that vehicle insurance costs were 20.3% higher in December 2023 than in December 2022. For drivers, this means higher premiums and deductibles.

Rising rates are caused by a few key factors, said Laura Longero, executive editor of insurance at the marketing firm QuinStreet. Insurance companies are seeing more claims related to crashes , thefts , and the climate crisis .

"All of these work together to create a situation where car insurance is a lot more expensive," she said.

Many insurers lowered rates at the beginning of the pandemic because fewer drivers were on the road, Longero said. As traffic has returned, she said crashes have become more frequent and severe. Crash fatalities hit a 16-year high in 2021, the US Department of Transportation found, and preliminary 2023 data suggests that crash rates have remained above 2020 reports.

There was also a 25% increase in vehicle thefts between 2019 to 2022. What's more, the supply chain costs to repair or replace vehicle parts from accidents or theft is expensive, Longero said.

Additionally, the state drivers live in — and the local impact of the climate crisis — has a significant effect on car insurance rates. Insurance companies are hesitant to insure drivers and homeowners in regions with frequent natural disasters, Longero said.

There were 131 climate events in the US between 2010 and 2020 that exceeded $1 billion in damages , a 51% increase from the previous decade. Longero said because of these growing climate risks, she expects rates to stay high.

To keep costs as low as possible, Longero recommends drivers travel safely and do their research.

Prioritize safety when behind the wheel

Not only is safe driving important to avoid collisions, it also saves drivers money. According to personal finance company NerdWallet, full coverage car insurance premiums nearly double if a driver is at fault for a crash.

Tickets for speeding, texting while driving, or driving under the influence are likely to raise a driver's insurance premiums.

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Longero said she often uses an app that tracks her harsh braking, how many times she checks her phone, and other data to demonstrate safe driving behavior to her insurer.

The type of vehicle a person drives also determines their insurance prices. Longero said insurance rates are generally lower for bigger vehicles, cars with lots of safety features, and car brands that have high safety ratings. Family-friendly cars typically cost less to insure, she said.

"Sedans are smaller and they typically cost more to insure," Longero said. "They are more likely to sustain greater damage in an accident with a big truck or SUV."

Research which car insurance plan is right for you

Longero suggests that drivers get three-to-five updated insurance quotes every year.

Car insurance rates are higher for families with teenagers, with rates going up 70% to 150% once someone under 18 is added to a family car insurance policy.

Still, Longero said some insurance companies have lower price options for married couples or vehicles with a high safety rating. Car insurance might also be cheaper if drivers bundle their auto policy with their homeowner , renter , or life insurance .

Drivers can sometimes get a cheaper car insurance rate by switching insurers, Longero said. And some policy specifics vary by state.

"We always encourage people to check with their insurer to make sure they're getting all the discounts they qualify for," she said.

She also urged drivers to check that their car insurance policy includes strong liability insurance , in case they were ever at fault for a "worst case scenario" major accident.

Take advantage of insurer discounts

To make the most of their policy, Longero said drivers should apply for insurer discounts. Keeping a clean accident or ticket record, staying loyal to a specific insurance company, and installing extra safety features in a car can help drivers save money.

Parents can lower costs for teenage drivers by applying for "good student" discounts, she said, and some people can get professional discounts based on their job or commute frequency.

"If you work from home now and used to commute, maybe talk to your insurance company," Longero said. "Typically if you're driving less than 10,000 miles a year, you can save a little bit on your policy that way."

Longero said drivers should also regularly take inventory of their insurance policy and drop coverage that they no longer need.

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Car Insurance Offers: How They Work, What They Mean

Published: Apr 3, 2024, 2:36pm

Table of Contents

What types of car insurance offers are there, how else can i lower my car insurance premium, do car insurance offers expire each year, tips for improving your car insurance offer, how can i get the best deal on car insurance, frequently asked questions (faqs).

Car insurance premiums have risen astronomically for Australians, driven by factors such as supply chain issues, and the soaring costs for car parts and repair services.

However, drivers can still find deals that will knock dollars off their policy prices. We detail the types of offers available, additional ways you can lower your policy premium, how to improve your current car insurance offer and more.

Car insurance offers come in a range of shapes and sizes, so if you’re not eligible for one type you may be for another. Insurers can offer:

• No-claims bonus: Each year you make no claims on your car insurance equates to a larger discount off the policy premium. You can usually build on your no-claims bonus up to five or six years, and some insurers allow you to transfer it over to a new insurer if you switch.
• Promotional offers: This type of offer can come in a number of forms, such as a discount on your policy, giftcards, or a set amount in credit with the provider.
• Multi-policy discounts: You may be able to get a discount on cover if you take out insurance for a number of cars with the same provider. A similar offer may be available when purchasing other forms of cover with the provider too, such as life or home insurance.
• Online discount: An insurer may reward you for taking out a policy online, and choosing paperless administration. This lowers administration costs for the insurer, is considered more environmentally-friendly, and cuts down on the reams of paperwork you would otherwise need to keep.
• Pay annually: Many car insurers offer a discount if you decide to pay for your car insurance on a yearly basis as opposed to monthly.

Insurers may also offer a discount on your premium if you have proven yourself to be a safe driver.

To determine how safe a driver you are, when you apply for cover, it will ask questions such as whether:

• you’ve had a no-fault accident in the last two to five years
• any of the drivers of your vehicle have had any licence suspensions, cancellations, disqualifications or restrictions within the last three years
• any of the drivers of your vehicle have had convictions or fines imposed for alcohol or drug-related driving in the past three years.

Certain insurers, may also consider the number of demerits you, or any other driver of your vehicle, have accrued on your driving licence. You may even find they’ll offer a discount if no one under 25 drives your car. This is because young drivers are statistically some of the most high-risk.

Simple ways to get a discount on your policy include parking your car in a secure location, such as a garage when at home, and a private car park when at work.

Shopping around for cover is also key. You’ll want to find a policy that suits your needs. This involves comparing the cover on offer against the policy price, and the excess. An excess is the set amount that you would be expected to pay on each claim. An insurer often offers a number of excess amounts to choose from. Opting to pay less in excess will typically raise your premium, while paying more in excess can lower it.

There’s no set rule for how long offers last—this differs with the type of offer.

You can usually build on your no-claims bonus up to five or six years, while promotional offers such as 20,000 Qantas points with Qantas Insurance often require you join by a set date, as stated in the terms and conditions, which can be found online. Your eligibility for discounts for driving safely, or because no one under 25 drives your car, are usually reassessed each time you renew your policy, on an annual basis.

The car insurance market is a saturated one, with insurers competing for new customers. If you’re unhappy with a car insurance offer, it may be worth considering switching insurers.

It’s also worth noting that insurers typically raise premiums for renewing customers, while new customers often get their best deals. This is termed a ‘loyalty premium’, although some insurers attribute the difference in premiums to their online discount, which is available to new customers, and not renewing ones.

It can help to:

• shop around for insurance every year to ensure you get the best deals in the market
• compare at least three quotes from various insurers; in fact, the more the better
• inform your insurer that you’re thinking of switching and see if they will provide a better offer
• check if an insurer would be prepared to beat a competitor’s quote
• consider paying more in excess to lower the policy premium.

Remember to read the product disclosure statement (PDS) for each policy to check exactly what it does and does not offer, as well as any restrictions on cover.

Running quotes on the sites of a number of car insurers can help you establish what deals are available, and find the best one for you, for a suitable price. We’ve conducted in-depth research to find the top 10 policies for Australians looking for comprehensive car cover.

When running quotes, you’ll need to enter details about yourself and your vehicle into the online tool. This includes your name, age and occupation, the make and model of your car, where you plan to park it, and whether you plan to use it for commuting, business and/or leisure.

Who has the cheapest car insurance in Australia?

The cost of car insurance is specific to each driver and their car, which means a policy that’s cheap for one person, may not be for another.

Driving infrequently and safely, parking your car in a garage or on private property, and switching your insurer for a better deal can all help keep your policy premium low. If you have an older car that is insured at market value , it may also be worth downgrading your comprehensive policy to third party property only.

When should I switch car insurance?

You can usually switch to another car insurance provider at any time. There’s typically a cooling off period of 21 days after taking out, or renewing, the policy where you can do so for free. After this time, you may need to pay a cancellation fee of around $40.

Are there car insurance offers for students?

It’s unlikely you’ll find a car insurance offer for students. Most students are under the age of 25, which means they will likely pay a relatively high premium for car insurance. This is because insurers have found young drivers to be high-risk, and therefore more likely to claim on their car insurance policy.

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I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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Moscow International Business Center (Moscow City)

• Guide to Russia

What can you do at Moscow City?

• Dine in style: Moscow City is home to 100+ cafes and restaurants, including Europe’s highest restaurant and ice-cream shop
• See Moscow like never before: Ascend to one of Moscow City’s observation decks for an unparalleled panorama of Moscow
• Admire world-class architecture: Each of Moscow City’s skyscrapers has distinctive architecture and design
• Learn something new: Visit the Museum of High-Rise Architecture in Moscow or the Metro Museum

Moscow City is a multifunctional complex in the west of Moscow, which has come to represent the booming business of Russia’s capital. Its skyscrapers enrich Moscow’s skyline, contrasting the medieval cupolas and Stalinist high-rises. Visitors to Moscow City can enjoy entertainment high in the sky, as the complex is home not just to offices, but to restaurants, cinemas, viewing platforms, and museums.

Photo by Alex Zarubi on Unsplash

History of Moscow City

Moscow City was first conceived in 1991 by honoured Soviet architect Boris Tkhor, who proposed to construct a business center in Moscow. It would be complete with gleaming skyscrapers rivalling those of New York and London, to reflect the new life and growing ambitions of post-Soviet Russia.

The chosen site was a stone quarry and disused industrial zone in western Moscow, in between the Third Ring Road and Moskva River. Initially, the territory was divided into 20 sections arranged in a horseshoe shape around a central zone. The skyscrapers would increase in height as they spiralled around the central section, with shorter structures built on the waterfront to give the taller buildings behind a view of the river. 

Architect Gennady Sirota, who contributed to iconic projects such as the Olympic Sports Complex on Prospekt Mira, was selected as the chief architect, and many other world-famous architects were attracted to Moscow to realise their visions in Moscow City.

What can you see and do at Moscow City?

Where Moscow’s cityscape was once dominated by Stalin’s Seven Sisters skyscrapers , this is no more. Moscow City is home to eight of Russia’s ten tallest buildings, six of which exceed 300 metres in height. More buildings are still under construction there today, including the One Tower (which will be Europe’s second-tallest building). Once completed, Moscow City will comprise more than 20 innovative structures.

Each of Moscow City’s skyscrapers was designed by its own architect, lending the cluster of skyscrapers a unique appearance. Aside from being a site of architectural wonder, Moscow City is a place for leisure and entertainment with over 100 cafes and restaurants, exhibition spaces, cinemas, viewing platforms, and more.

Photo by Nikita Karimov on Unsplash

Federation Tower

• East Tower: 374m, 97 floors; West Tower: 243m, 63 floors
• Completed in 2017
• Architects: Sergey Tchoban and Peter Schweger

The East Federation Tower is the tallest building in Moscow, and the second-tallest building in Europe after the Lakhta Centre in St Petersburg. Visitors can enjoy a luxurious meal of seafood, truffles or steak at restaurant ‘Sixty’ on the 62nd floor of the West Tower, or visit Europe’s highest observation deck, ‘Panorama 360’, on the 89th floor of the East Tower.

Did you know? The ice cream and chocolate shop on the 360 observation deck are the highest in the world!

• South Tower: 354m, 85 floors; North Tower: 254m, 49 floors
• Completed in 2015
• Architect: Skidmore, Owings & Merrill LLP

The South OKO Tower is the third-tallest building in Russia and Europe. Here, you can visit ‘Ruski’ to dine on hearty Russian cuisine cooked on a real Russian stove, and have a drink in the ice bar. Alternatively, visit restaurant, nightclub and performance space ‘Birds’; the restaurant is the highest in Europe, situated on the 86th floor roof terrace alongside an observation deck. The OKO Towers are also home to karaoke club ‘City Voice’.

Did you know? Underneath OKO Towers is the largest underground parking in Europe, with 16 levels and 3,400 parking spaces.

Mercury Tower

• 339m tall, 75 floors
• Architects : Mikhail Posokhin, Frank Williams, Gennady Sirota

Another multifunctional skyscraper, which was designed as the first truly ‘green’ building in Moscow. The Mercury Tower has a distinct geometric shape and copper-coloured glazing, and was the tallest building in Europe upon completion. Visit ‘More i myaso’ (Sea and meat) on the first floor of the tower to enjoy European and Mediterranean cuisine whilst surrounded by greenery. On the 2nd and 40th floors a modern art gallery, the ‘ILONA-K artspace’, has just opened.

City of Capitals

• Moscow Tower: 302m, 76 floors; St Petersburg Tower: 257m, 65 floors
• Completed in 2009
• Architect: Bureau NBBJ

The unique geometric design of the City of Capitals towers resembles stacks of rotating blocks, and is rooted in Constructivism of the early Soviet period (many Soviet Constructivist buildings can be found in Moscow). Visitors to the Moscow Tower can enjoy a range of cuisines – traditional Italian dishes on the summer terrace of ‘Tutto Bene’, Panasian cuisine in the tropical luxury of the ‘Bamboo Bar’ on the 1st floor’, and poke or smoothie bowls at ‘Soul in the Bowl’ cafe on the 80th floor.

Tower on the Embankment

• Tower A: 84m; Tower B:127m; Tower C: 268m, 61 floors
• Completed in 2007
• Architects: Vehbi Inan and Olcay Erturk

After completion, the Tower on the Embankment was the tallest building in Europe, and is now the 13th tallest. It houses the headquarters of several large Russian and international  companies, including IBM and KPMG. There are two cafes located on the 1st floor of Tower C – self-service café ‘Obed Bufet’ (Lunch Buffet) and Bakery Chain ‘Khleb Nasushchny’ (Daily Bread).

Evolution Tower

• 255m tall, 54 floors
• Architects: Philip Nikandrov and RMJM Scotland Ltd

Evolution is Moscow City’s most recognisable tower, and the 11th tallest building in Russia. Its façade is a true architectural marvel, comprising continuous strips of curved glazing spiralling high into  the sky. According to the architect, Philip Nikandrov, the spiral shape of the tower honours centuries of architectural design in Russia, from the onion domes of St Basil's Cathedral to Vladimir Shukhov’s Tatlin Tower, a masterpiece of Constructivist design. Outside the Evolution tower is a landscaped terrace and pedestrian zone descending to the Presnenskaya Embankment, which was also designed by Nikandrov.

Did you know? Moscow’s largest wedding palace was supposed to be built on the site of the Evolution tower, though the project was abandoned.

• 239m tall, 60 floors
• Completed in 2011

Imperia’s interesting design has a curved roof and an arched glass façade. Inside the tower are various cafes including ‘City Friends’ for all-day breakfasts and light lunches, ‘Mama in the City’ for simple meals of Russian cuisine, and ‘abc kitchen’ for European and Indian-inspired dishes. Alternatively, visit ‘High Bar’ on the 56th floor for cocktails with a view. In Imperia you’ll also find the Museum of High-Rise Construction in Moscow (suitably located on the 56th floor), and the Camera Immersive Theatre.

Did you know? Inside Vystavochnaya metro station is the Metro Museum , dedicated to the history of the beautiful Moscow Metro!

• 130m tall, 26 floors
• Completed in 2001
• Architect: Boris Tkhor

Tower 2000 was Moscow City’s first tower. It stands on the opposite bank of the Moskva River, and houses a viewing platform from which visitors can admire an unparalleled panorama of Moscow City. The Bagration Bridge reaches across the river from the tower to Moscow City, and underneath are piers from where you can take boat trips.

Photo by Alexander Popov on Unsplash

Afimall is Moscow’s largest entertainment and shopping complex, home to 450 shops, cafes and restaurants, a cinema, and a virtual-reality game park. The shopping centre is located in the central section of Moscow City, and a cinema and concert hall are currently under construction there.

What’s nearby?

Sechenov Botanical Gardens: The botanical gardens of the First Moscow State Medical University was created for students’ training and research in 1946. Today it is open for free visits, and is home to a large arboretum.

Park Krasnaya Presnya: This park belonged to the Studenets estate of the Gagarin princes. It is a monument of 18th and 19th century landscaping, with Dutch ponds, ornate bridges, and tree-lined alleys. There are also sports facilities, sports equipment rental, and cafes.

Photo by Akkit  on Wikipedia

Essential information for visitors

Website: https://www.citymoscow.ru/

Email: [email protected]

Phone: +7 (495) 730-23-33

Nearest metro: Mezhdunarodnaya (closest to the skyscrapers), Delovoy Tsentr (underneath Afimall), Vystavochnaya (closest to Expocentre)

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