{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "nrma-insurance",
  "name": "NRMA Insurance",
  "website": "https://www.nrma.com.au/",
  "kind": "brand",
  "underwriter": "Insurance Australia Limited",
  "underwriter_abn": "11000016722",
  "underwriter_afsl": "227681",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "NRMA Home Building Insurance",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "included_can_remove",
    "accidental_damage": "optional",
    "levels": [
     "Standard",
     "Plus"
    ],
    "eligibility": "Private residential buildings (free standing house, townhouse, villa, duplex, semi-detached or terrace) used as primary residence or holiday home; not units or flats or buildings used as a business.",
    "states": null,
    "documents": [
     {
      "title": "Home Insurance Product Disclosure Statement and Policy Booklet",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf",
      "date": "2023-09-10"
     },
     {
      "title": "Supplementary PDS",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-spds-nrmahomspds-rev2-1125.pdf",
      "date": "2025-10-10"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-buildings-kfs-nrmabldkfs-rev3-0524.pdf",
      "date": "2024-05-13"
     },
     {
      "title": "Home Insurance Premium, Excess and Discounts Guide",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-ped-nrmahomped-rev9-1025.pdf",
      "date": null
     },
     {
      "title": "Target Market Determination (TMDHBC004)",
      "url": "https://www.iag.com.au/tmd/tmdhbc004",
      "date": "2026-04-27"
     }
    ],
    "quotes": {
     "product": {
      "text": "Our Building Insurance can help protect your home's structure and permanent fixtures, from walls and floors to sheds and in-ground pools.",
      "url": "https://www.nrma.com.au/home-insurance/buildings-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Our Building Insurance can help protect your home's structure and permanent fixtures, from walls and floors to sheds and in-ground pools.",
       "url": "https://www.nrma.com.au/home-insurance/buildings-insurance#:~:text=Our%20Building%20Insurance%20can%20help,to%20sheds%20and%20in%2Dground%20pools.",
       "document_sha256": "8c98c6a3e5b7da9c4ef7d3db4d9356ea9eb1c901fc11893e8eb0b927bc6f242f",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.",
      "url": "https://www.nrma.com.au/home-insurance/buildings-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.",
       "url": "https://www.nrma.com.au/home-insurance/buildings-insurance#:~:text=Buy%20your%20Home%20Buildings%20Insurance,we%E2%80%99ll%20automatically%20apply%20the%20discount.",
       "document_sha256": "8c98c6a3e5b7da9c4ef7d3db4d9356ea9eb1c901fc11893e8eb0b927bc6f242f",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.",
      "url": "https://www.nrma.com.au/home-insurance/buildings-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buy your Home Buildings Insurance online and we’ll automatically apply the discount.",
       "url": "https://www.nrma.com.au/home-insurance/buildings-insurance#:~:text=Buy%20your%20Home%20Buildings%20Insurance,we%E2%80%99ll%20automatically%20apply%20the%20discount.",
       "document_sha256": "8c98c6a3e5b7da9c4ef7d3db4d9356ea9eb1c901fc11893e8eb0b927bc6f242f",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We will pay the reasonable extra costs to repair or rebuild Your Home up to 25% of the ‘Building’ Sum Insured.",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=23",
       "page": 23,
       "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-spds-nrmahomspds-rev2-1125.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-spds-nrmahomspds-rev2-1125.pdf#page=1",
       "page": 1,
       "document_sha256": "3eab569ae1004572b61a4f718b1a05fa630711e3434e91849cac1afe40445b0f",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Accidental damage Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Accidental damage Automatically included if You have cover for: ‘Building Plus’; or ‘Contents Plus’ Available if You have cover for: ‘Building Standard’; or ‘Contents Standard’",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=24",
       "page": 24,
       "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4",
       "confirmed": "2026-11-13"
      }
     },
     "levels": {
      "text": "We have 2 levels of cover You can choose from under this Policy:",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We have 2 levels of cover You can choose from under this Policy:",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=5",
       "page": 5,
       "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace",
      "url": "https://www.iag.com.au/tmd/tmdhbc004",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Providing cover for a private residential building, including the fixtures and fittings, such as a: • Free standing house • Townhouse, villa or duplex • Semi-detached house or terrace",
       "url": "https://www.iag.com.au/tmd/tmdhbc004#page=1",
       "page": 1,
       "document_sha256": "b69298fdba81ef2094a72555b6efcfb2f13292e1ad3fe90882a862dfefc53c1c",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Home being unoccupied for 60 or more consecutive days and not maintained it in a lived-in state by:",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Home being unoccupied for 60 or more consecutive days and not maintained it in a lived-in state by:",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=27",
       "page": 27,
       "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Safety net (extra 25% of the Building Sum Insured) applies to Building Plus only; Building Standard is a plain sum insured.",
     "Flood, rainwater run-off and storm surge cover can only be removed if the property is in NSW, ACT or TAS.",
     "Accidental damage is automatically included in Plus and is an extra-premium option on Standard.",
     "Not for units, flats or apartments; the same policy also sells Home Contents."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if the home is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "nrma-home-building-insurance",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "NRMA Landlord Insurance (Landlord Buildings)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Private residential buildings rented out to tenants under a rental agreement of at least 90 days; not hotels, boarding houses or buildings used mainly for business.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement and Policy Booklet",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf",
      "date": "2023-09-10"
     },
     {
      "title": "Supplementary PDS",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-spds-nrmalanspds-rev0-0524.pdf",
      "date": "2024-05-13"
     },
     {
      "title": "Landlord Insurance Premium, Excess and Discounts Guide",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-nrmalanped-rev7-1025.PDF",
      "date": null
     },
     {
      "title": "Target Market Determination (TMDLBC005)",
      "url": "https://www.iag.com.au/tmd/tmdlbc005",
      "date": "2026-04-27"
     }
    ],
    "quotes": {
     "product": {
      "text": "our Landlord Insurance policy can cover things like loss of rental income during repairs, furniture and furnishings that are left for your tenant to use, and loss or damage caused by fire, flood, storm, theft, vandalism, leaks and more.",
      "url": "https://www.nrma.com.au/home-insurance/landlord-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "our Landlord Insurance policy can cover things like loss of rental income during repairs, furniture and furnishings that are left for your tenant to use, and loss or damage caused by fire, flood, storm, theft, vandalism, leaks and more.",
       "url": "https://www.nrma.com.au/home-insurance/landlord-insurance#:~:text=our%20Landlord%20Insurance%20policy%20can,theft%2C%20vandalism%2C%20leaks%20and%20more.",
       "document_sha256": "0f23f0a7007bb83521a41fcbad7a63f0ada48573906344bb964521d5b32d88ae",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Buy your Landlord Insurance online and we’ll automatically apply the discount.",
      "url": "https://www.nrma.com.au/home-insurance/landlord-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buy your Landlord Insurance online and we’ll automatically apply the discount.",
       "url": "https://www.nrma.com.au/home-insurance/landlord-insurance#:~:text=Buy%20your%20Landlord%20Insurance%20online,we%E2%80%99ll%20automatically%20apply%20the%20discount.",
       "document_sha256": "0f23f0a7007bb83521a41fcbad7a63f0ada48573906344bb964521d5b32d88ae",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Buy your Landlord Insurance online and we’ll automatically apply the discount.",
      "url": "https://www.nrma.com.au/home-insurance/landlord-insurance",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buy your Landlord Insurance online and we’ll automatically apply the discount.",
       "url": "https://www.nrma.com.au/home-insurance/landlord-insurance#:~:text=Buy%20your%20Landlord%20Insurance%20online,we%E2%80%99ll%20automatically%20apply%20the%20discount.",
       "document_sha256": "0f23f0a7007bb83521a41fcbad7a63f0ada48573906344bb964521d5b32d88ae",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "‘Building’ Sum Insured – this is the amount Your Rental Property is insured for; and/or",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "‘Building’ Sum Insured – this is the amount Your Rental Property is insured for; and/or",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf#page=5",
       "page": 5,
       "document_sha256": "a269a29e43bf4fda25e86718774de5d7526b31d116952d6bbe9835c6c5e24c4f",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-spds-nrmalanspds-rev0-0524.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "*You may be eligible to remove cover from your Building insurance or Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-spds-nrmalanspds-rev0-0524.pdf#page=1",
       "page": 1,
       "document_sha256": "8e1f35b40d27323e3fae47b336d2f41bc439225484eef7a93d1062bf415bf826",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Has a rental agreement of at least 90 days",
      "url": "https://www.iag.com.au/tmd/tmdlbc005",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Has a rental agreement of at least 90 days",
       "url": "https://www.iag.com.au/tmd/tmdlbc005#page=2",
       "page": 2,
       "document_sha256": "f431e6aab3e83cf06d168803f64ed32932897bfbda63603d82c008f2d25e62ea",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
      "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Rental Property being unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
       "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-landlord-pds-nrmalanpds-rev2-0923.pdf#page=20",
       "page": 20,
       "document_sha256": "a269a29e43bf4fda25e86718774de5d7526b31d116952d6bbe9835c6c5e24c4f",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "No Standard/Plus levels and no safety net additional benefit appear in the landlord PDS.",
     "The PDS lists only accidental breakage of glass, not general accidental damage, in its key benefits table; accidental_damage left null.",
     "Flood, rainwater run-off and storm surge cover can only be removed if the property is in NSW, ACT or TAS."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if the rental property is also not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "nrma-landlord-insurance-landlord-buildings",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "NRMA Business Insurance (Section 1 Property)",
    "type": "business_property",
    "segment": "commercial",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
    "accidental_damage": "included",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Business Insurance Product Disclosure Statement and Policy Booklet",
      "url": "https://www.nrma.com.au/business-policy",
      "date": null
     },
     {
      "title": "Target Market Determination for Business Insurance (TMDBU001)",
      "url": "https://www.iag.com.au/tmd/TMDBU001",
      "date": "2021-10-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "Property Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes.",
      "url": "https://www.nrma.com.au/business-insurance/retailers",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Property Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes.",
       "url": "https://www.nrma.com.au/business-insurance/retailers#:~:text=Property%20Covers%20insured%20property%20like,storms%20and%20other%20covered%20causes.",
       "document_sha256": "2d55a1276fb103440ddbd2f1ddf1d291e4879df5c09fc6e45ed67d6199590bdd",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)",
      "url": "https://www.iag.com.au/tmd/TMDBU001",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This product is designed to be distributed by us or our distributors by any of the following means, where authorised: – Online through relevant websites – By contacting a branch or contact centre – In person (e.g. branch, agency or premises visit)",
       "url": "https://www.iag.com.au/tmd/TMDBU001#page=3",
       "page": 3,
       "document_sha256": "31d574326ef04d55bd6a419cf0f06499179609b841f1069ef9a364ecfac6dc2f",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "explore other cover options like Property, Money and more when you get your Business Insurance quote.",
      "url": "https://www.nrma.com.au/business-insurance/retailers",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "explore other cover options like Property, Money and more when you get your Business Insurance quote.",
       "url": "https://www.nrma.com.au/business-insurance/retailers#:~:text=explore%20other%20cover%20options%20like,get%20your%20Business%20Insurance%20quote.",
       "document_sha256": "2d55a1276fb103440ddbd2f1ddf1d291e4879df5c09fc6e45ed67d6199590bdd",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.",
      "url": "https://www.nrma.com.au/business-policy",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Delay of cover We will not provide any cover, for a period of 72 hours from the time of the commencement of Your insurance, for Damage or loss caused by: a) bushfire or grassfire, c) Flood, or d) Storm Surge.",
       "url": "https://www.nrma.com.au/business-policy#page=17",
       "page": 17,
       "document_sha256": "ea86b0628d0d6c5c36a8ddb44dbddfb412fcdc678e35f1ba8d63abcf93ff4cea",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.",
      "url": "https://www.nrma.com.au/business-policy",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "if the total combined Property Insured Sum Insured as shown in Your Certificate of Insurance is greater than $250,000, then the most We will pay in respect of Accidental Damage will be $250,000.",
       "url": "https://www.nrma.com.au/business-policy#page=18",
       "page": 18,
       "document_sha256": "ea86b0628d0d6c5c36a8ddb44dbddfb412fcdc678e35f1ba8d63abcf93ff4cea",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
      "url": "https://www.nrma.com.au/business-policy",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Unless We otherwise agree in writing, We will not pay for any loss or Damage to Property Insured if the occurrence happens whilst Your Business Premises has been unoccupied for more than 90 consecutive days.",
       "url": "https://www.nrma.com.au/business-policy#page=14",
       "page": 14,
       "document_sha256": "ea86b0628d0d6c5c36a8ddb44dbddfb412fcdc678e35f1ba8d63abcf93ff4cea",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Section 1 Property forms part of the policy only if shown on the Certificate of Insurance, so buildings cover is optional.",
     "Accidental damage is capped at $250,000 combined unless 'Additional Accidental Damage' is shown on the Certificate.",
     "Flood, bushfire and storm surge are not covered for the first 72 hours of a new policy unless it follows directly after another policy."
    ],
    "unoccupied": {
     "days": 90,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Unless the insurer agreed in writing.",
     "then": null,
     "label": "No cover after 90 days"
    },
    "id": "nrma-business-insurance-section-1-property",
    "type_label": "Business property",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "NRMA Insurance Residential Strata Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "direct",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included_can_remove",
    "accidental_damage": "included",
    "levels": [],
    "states": null,
    "documents": [
     {
      "title": "Residential Strata Insurance Product Disclosure Statement and Policy Booklet",
      "url": "https://www.nrma.com.au/documents/strata/pds",
      "date": "2023-09-10"
     },
     {
      "title": "Supplementary Product Disclosure Statement",
      "url": "https://www.nrma.com.au/documents/strata/spds",
      "date": "2024-05-13"
     },
     {
      "title": "Target Market Determination (TMDRS003)",
      "url": "https://www.iag.com.au/tmd/TMDRS003",
      "date": "2024-04-21"
     }
    ],
    "quotes": {
     "product": {
      "text": "Need insurance for your strata scheme building? Get cover for fires, storms, accidental damage and more.",
      "url": "https://www.nrma.com.au/home-insurance/strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Need insurance for your strata scheme building? Get cover for fires, storms, accidental damage and more.",
       "url": "https://www.nrma.com.au/home-insurance/strata#:~:text=Need%20insurance%20for%20your%20strata,storms%2C%20accidental%20damage%20and%20more.",
       "document_sha256": "a5eea31758be19818f1cfc780c164036b678a43b37ec074c90a490e2b28d4334",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Call 132 132",
      "url": "https://www.nrma.com.au/home-insurance/strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call 132 132",
       "url": "https://www.nrma.com.au/home-insurance/strata#:~:text=Call%20132%20132",
       "document_sha256": "a5eea31758be19818f1cfc780c164036b678a43b37ec074c90a490e2b28d4334",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Call 132 132",
      "url": "https://www.nrma.com.au/home-insurance/strata",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call 132 132",
       "url": "https://www.nrma.com.au/home-insurance/strata#:~:text=Call%20132%20132",
       "document_sha256": "a5eea31758be19818f1cfc780c164036b678a43b37ec074c90a490e2b28d4334",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "You may be eligible to remove cover from your Property and Common Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.",
      "url": "https://www.nrma.com.au/documents/strata/spds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "You may be eligible to remove cover from your Property and Common Contents insurance for loss or damage caused by Flood, Rainwater Run-off and Storm Surge (but not tsunami), if Your insured property is in NSW, ACT or TAS.",
       "url": "https://www.nrma.com.au/documents/strata/spds#page=1",
       "page": 1,
       "document_sha256": "3fdae3a638460f8f23bbdfc56f2c0aea5f9b3d5a921009e64990e673bfcfd47e",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "We cover loss or damage caused by Accident.",
      "url": "https://www.nrma.com.au/documents/strata/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "We cover loss or damage caused by Accident.",
       "url": "https://www.nrma.com.au/documents/strata/pds#page=11",
       "page": 11,
       "document_sha256": "84520020b80327ced6cbc71d4742089cfeac6270915842744d42beb6b7fa7fc2",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Buildings that are Strata titled, Company titled, registered as Community or Neighbourhood Associations or form part of a registered Stratum",
      "url": "https://www.iag.com.au/tmd/TMDRS003",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Buildings that are Strata titled, Company titled, registered as Community or Neighbourhood Associations or form part of a registered Stratum",
       "url": "https://www.iag.com.au/tmd/TMDRS003#page=1",
       "page": 1,
       "document_sha256": "1bdf0d30b9903943b7b4275ab2022bf8151b6b1fbef9cb691c0eec3bd284b4c7",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "Your Property being completely unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
      "url": "https://www.nrma.com.au/documents/strata/pds",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Your Property being completely unoccupied for 60 or more consecutive days and not maintained in a lived-in state by:",
       "url": "https://www.nrma.com.au/documents/strata/pds#page=19",
       "page": 19,
       "document_sha256": "84520020b80327ced6cbc71d4742089cfeac6270915842744d42beb6b7fa7fc2",
       "confirmed": "2026-11-13"
      }
     }
    },
    "eligibility": "Strata-titled, company-titled or community-titled entities responsible for insuring buildings used predominantly for residential purposes; not individual owners or predominantly commercial buildings.",
    "conditions": [
     "Flood, rainwater run-off and storm surge cover can be removed only if the insured property is in NSW, ACT or TAS.",
     "Flood, storm and bushfire cover does not start until 72 hours after the policy begins (very limited exceptions)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "no_cover",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Only if the property is completely unoccupied and not kept in a lived-in state (lawns mowed, mail stopped, someone checking inside and out weekly).",
     "then": null,
     "label": "No cover after 60 days"
    },
    "id": "residential-strata-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "Insurance Australia Limited",
      "abn": "11000016722",
      "afsl": "227681",
      "lloyds": false,
      "slug": "insurance-australia",
      "apra": {
       "status": "authorised",
       "name": "Insurance Australia Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "227681",
       "name": "INSURANCE AUSTRALIA LIMITED",
       "abn": "11000016722",
       "acn": null,
       "licensed_since": "2003-07-28",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance.",
    "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance.",
     "url": "https://www.nrma.com.au/content/dam/insurance-brands-aus/nrma/au/en/documents/home/nrma-home-pds-nrmahompds-rev2-0923.pdf#page=1",
     "page": 1,
     "document_sha256": "91a0d6fdab8496768fc5f387abfcbb1aeb6d61bdfaf4f8ba9d404332abd61ad4",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "Home PDS prepared 10 Sep 2023, amended by SPDS of 10 Oct 2025 (applies to renewals from 31 Dec 2025); TMD effective 27 Apr 2026. Landlord PDS is also Sep 2023 with SPDS May 2024. NRMA also sells Residential Strata and Holiday Rental (not covered here). SGIO and SGIC customers moved to NRMA Insurance in 2022. | Flood is recorded 'included' from the website sentence only; the PDS Section 1 does not exclude flood in the text read but the TMD (TMDBU001, 5 Oct 2021) covers only motor and personal accident, so no eligibility criteria (turnover, sum insured) for the property section were found. The Business Insurance PDS is shared with RACV Business Insurance (same IAL wording, C1340). PDS has no date printed in the text read.",
  "segments": [
   "residential",
   "commercial"
  ],
  "issuers": [
   {
    "name": "Insurance Australia Limited",
    "abn": "11000016722",
    "afsl": "227681",
    "lloyds": false,
    "slug": "insurance-australia",
    "apra": {
     "status": "authorised",
     "name": "Insurance Australia Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "227681",
     "name": "INSURANCE AUSTRALIA LIMITED",
     "abn": "11000016722",
     "acn": null,
     "licensed_since": "2003-07-28",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/nrma-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/nrma-insurance.json"
 }
}