nrma comprehensive car insurance quote. That risk is based on a variety of variables which determine your car insurance premiums, including:Get the car insurance you need with NRMA Car Insurance. nrma comprehensive car insurance quote

 
 That risk is based on a variety of variables which determine your car insurance premiums, including:Get the car insurance you need with NRMA Car Insurancenrma comprehensive car insurance quote  Save up to 25% depending on your entire Policy Count

Comprehensive Insurance. Skip to main content. NSW Emergency Services Levy. Quotes price for Renewal of same policy for the next year is $882. We would like to show you a description here but the site won’t allow us. Cover is subject to your application for insurance being accepted. Taxi fares (up to $250) to get you home if your. in a year with the Qantas Wellbeing App by regularly completing car safety checks and reaching your sleep goals. Shannons Pty Limited ABN 91 099 692 636 is an authorised representative of AAI Limited ABN 48 005 297 807, the issuer of motor and home and. Access to the AAMI App, making it easy to check and update policy info, track claims, and more. But Comprehensive Plus gives you extras like: A hire car if your car can’t be driven after any incident we cover, even if you cause an accident. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Get a quote today. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. We got. Eligible Recipients (paragraphs 5 and 9) agree to be bound by these Offer Terms and Conditions. Car Insurance Product Disclosure Statement and Policy Booklet. Accidental loss or damage to another person’s vehicle or property (up to $20 million) Comprehensive. Child Safety Seats & Prams (55) Hire Car after Theft (76) Lock and Key Replacement (55) New-for-old Car Replacement (49) Pay As You Drive / Fixed Kilometre Discount (6) Show discontinued. Shannons Insurance, specialist in providing Car Insurance, Motorcycle Insurance, and Home Insurance products for motoring enthusiasts who drive imported, modified, classic, veteran or vintage cars. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Get a quote Make a claim. • 2 yr. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Continue. Looking for cover on windscreens? Learn more about our Windscreen Plus roadside add. Car insurance is for property. For comprehensive car insurance, researcher and comparisons company Finder found a difference in excess of $1,400 a year between the cheapest and most expensive policies, according to a survey of. The average comprehensive policy in Australia costs $1,345. Pick the payment option that best suits your needs. My small claim (less than a single years home insurance policy) has resulted in you missing out on decades of insurance. Get a quote: NRMA: $1,613. ⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. Get a quote Call 13 49 60. Comprehensive Car Insurance. Call 1800 646 605 (8am–8pm, Mon–Fri & 8am–4pm, Sat–Sun) Contact us. Travel. If you choose not to take out comprehensive car insurance and you or the driver of your car is at fault in an accident, you will be responsible for the cost of any damage to your own car as well as for the damages caused to any third party property. Apia Drive Less Pay Less® discount* if you travel under 20,000km per year. 43/5. Get the car insurance you need with NRMA Car Insurance. 24/7 Phone &. Get the car insurance you need with NRMA Car Insurance. Added Value. You can compare the features of comprehensive car insurance policies that offer a multi-policy discount using the table at the top of this page. 2,600 PTS. Third Party Fire and Theft. Compare. The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. With the average insurance rate at $1819 per year, the annual insurance cost–to–base car price ratio is 2. Comprehensive car insurance from NRMA Insurance^ protects your car for accident damage, theft, severe weather, and more. To know for sure, check your registration renewal notice, it will state it there. k. An eSafety check costs $42 (for light vehicles) and are only required in NSW. We got car insurance quotes from 30+ brands and found an average difference of $1,456 between the cheapest and most expensive policy. "Market value" means the cost to replace your vehicle with a vehicle of the same make, model, age and condition as your vehicle immediately prior to the loss. Reward yourself with up to 10,000 Velocity Points when you purchase a new eligible comprehensive Virgin Car Insurance policy by 26 March 2024 17. NRMA Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Ven0mKermit. Honda Civic Car Insurance Cost & Cheap Quotes (2021). James T. Car Insurance Quote. Get a quote chevron_right. 8 out of 5 stars from 1,403 genuine reviews on Australia's largest opinion site ProductReview. Jump-start your car insurance in a few simple steps and get covered in minutes. Comprehensive Insurance. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). What's more, our Comprehensive Insurance covers any licensed rider who rides. Policy must be held for a minimum of 30 days from making the first. Get an online quote for cars in NSW, QLD, TAS, ACT, WA, SA and NT. With an NRMA Insurance CTP Green Slip, you also get Driver Protection Cover – which covers you if you cause an accident and suffer. Call from 8:00am - 11:00pm or compare online. 12 comments. While some insurers include cover for a rental car until your claim is settled, others restrict it to a number of days, usually between 14 and 30 days, and often a capped amount. We reward great driving and claims history by simply offering our best price. 24/7 Roadside Assist included in comprehensive. Please consider. *iSelect does not compare all car insurers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Cover that keeps pace with your life Car Insurance Home Insurance Motorcycle policies Quotes and more online with SGIC Insurance. Budget Direct’s Comprehensive Car Insurance is a popular choice among drivers, offering good cover for accidental damage and automatically including after-accident care in the policy. Save 15%^ on your first year’s premium when you purchase a. You can add options to your cover to suit your needs. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). No excess to pay for glass damage repairs. Car insurance renewals and payments. Get a quote online and save 15% ^. It provides a level of financial cover for damage to other people’s cars and property in an accident, damage to your own vehicle caused by fire or theft, and accidental damage to your own vehicle, regardless of who caused the damage. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Start here!NRMA: $512: More info:. Save up to 25% depending on your entire Policy Count. Reply Quote. The cost of comprehensive car insurance in QLD varies between customers, so finding an average cost is difficult without considering your personal circumstances. com. ⭐ Current offer: 15% off. We will collect, use and disclose your details in accordance with our privacy policy. NRMA Car Insurance - Comprehensive Plus (Car Insurance): 1. Follow up a claim or pay an excess. Join Date: Feb 2010. T&Cs apply. au. T&Cs apply. Call us on 133 723. With comprehensive insurance, you can choose how your car is valued. The cost of comprehensive car insurance will depend on various factors, including your level of cover and excess, age, gender, driving experience and the car you are insuring. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. Drivers in NSW who have a comprehensive car insurance policy or a TPFT policy can be covered against car theft. Get a quote. Canstar may receive a fee for referring you to a product provider – for further. We can tailor your policy to include protection against downtime, towing costs. It covers up to $200 per-day in travel and accommodation costs after an accident (maximum $1,000 in total), plus up to $500 in emergency repairs to get your wheels back on the road, as well as hire car cover. The quote with NRMA was over $1700, so even with the $100 discount it is still not as good value. Get a quote Make a claim. Get a quick quote. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Save on your first year of roadside assistance with NRMA*. Get a quick online quote in just minutes. Make sure to have your policy number handy. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Qantas Car Insurance was launched in 2019, targeted at Qantas Frequent Flyer loyalty club members, according to Qantas media release. The highest level of cover we offer for your vehicle which provides cover for fire, theft, accidents and malicious damage. Westpac Comprehensive Car Insurance offers either agreed value or market value cover. Policy must be held for a minimum of 30 days from making the first complete payment. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. The following quotes are insured for market value only, based on a middle-ground $850 excess (except Bingle for which $895 is the closest available option) , and paying. COVID-19 benefits: See pages 36-38 for the full details of what is and isn’t covered. Comprehensive Car Insurance also covers your vehicle in weather events such as hail, storm, bushfire 2, cyclone 2 or flood 2. Our Commercial Motor insurance can cover anything from a single car to a fleet of trucks. Of course, driving an. au. Home Buildings. If you use the market value, you don't know. Our highest level of cover, Comprehensive Plus protects your car from fire, theft and more, plus you get extras like no excess for windscreen repairs and a hire car after any incident. Car Insurance Calculator. What does third party car insurance cover? AAMI Third Party Car Insurance covers damage caused to other people's vehicle and property, and damage by uninsured drivers. Glovebox Guide. The value is the amount you'll get if your car is written off or stolen: Agreed value — a fixed amount that's decided by you and your insurer. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. per $1 spent on your premium. Value. This Offer will not apply to any renewal of an NRMA Insurance policy. Continue. Get a 5% loyalty discount when you hold one policy for 3-4 years, 7. Damien Bray, a portfolio manager for Shannons, told Canstar the motor industry typically understood cars made before 1950 to be considered vintage, veteran or antique, depending on their year of manufacture. Youi get to know you, so you can choose car insurance cover that’s suited to your needs. Claim in 3 easy steps: You can make a claim 24/7, by calling us on 131 123. Broken down now and need help? Call NRMA* for roadside assistance on 13 11 22. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. To make a claim call or visit our claims. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Offer ends 10 August 2023. A Compulsory Third Party (CTP) Green Slip is legally required to register a car in NSW. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. T&Cs apply. We offer a range of car insurance in NSW, QLD, TAS, ACT, WA, SA and NT. We can help you find a suitable repairer to get a quote for repairs. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Business interruption claims. $1140 for an adult driver aged 45–65 with a listed young driver aged 21–24. Discount is taken off total insurance price (including any selected additional cover items). Covers damage caused in an accident, weather events, fire and theft, plus damage your car causes to other people’s vehicles and property. Tweak your policy. Our research of 37 providers shows that Bingle is the cheapest provider on average, costing approximately $767. Our Comprehensive Plus Car Insurance is our highest level of cover and gives you all the protection of our Comprehensive Car Insurance product with additional benefits such as excess-free windscreen, sunroof and glass cover. NRMA says that under its car insurance policies, for example, “all legal modifications and accessories are covered”. Sort by: Relevance. What's more, our Comprehensive Insurance covers any licensed rider. You want to be covered: We paid over 99% of comprehensive car insurance claims in 2022. Get a quote. com. Our Free2go program provides roadside assistance to young drivers starting out on the road, aged 16 to 20. 98: More info: How we got these quotes. Feel confident you’re covered for theft. Let’s take a closer look at its performance as an insurance provider. Car Insurance Terms and conditions. They will assess the damage, forward a quote to the insurance company, and they will let you know when to bring the car in for repairs. The first step I do is check what NRMA would charge me for full comprehensive cover. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Find a location or specialist. We’re always here to help. Get quote: NRMA. Pay a new policy. 1 In 2022 there were 12,274 motor vehicle car thefts in NSW. Start a claim. Save up to 25% on NRMA Insurance and get cover for anyone who drives your car. 75 a week – you can take advantage of our 24/7, nationwide Roadside Assistance service. 46. The cost of insurance (known as your premium) depends largely on the type of cover you hold (i. Flexible car insurance for everyday Australians. Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year. Information about these test cases is available on the Insurance Council of Australia. com. T&Cs apply. NRMA Insurance CTP Green Slip is linked with your vehicle’s registration, meaning that you can’t register your car unless you have a policy in place. You’ll also save 15% on your first year’s premium when purchased online 1. This website uses cookies to improve the user experience. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. How to claim You can get a $150 Virtual Visa Gift Card with a new Business Insurance policy Use promo code BUSINESS. Comprehensive Car Insurance. If you have a QBE Comprehensive Car Insurance policy and your car’s written-off, we’ll pay its agreed value or market value, depending on the level of cover you’ve chosen. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Maximum 1,000 extra points per policy per month. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. We got car insurance quotes from 30+ brands and found an average difference of $1,456 between the cheapest and most expensive policy. NRMA members save up to 5% on domestic and international travel insurance policies. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). In my. Continue. Car Insurance Terms and conditions. Get protection for accidental loss or damage to the contents in your caravan – typically, the cover limit ranges from $500-$2,000. Tried to get the new quote online with $100 discount today (Same car, same details, same address and all information). Browse. Retrieve my quote. Comprehensive luggage cover: With higher limits for Your laptop, tablet, phone and camera equipment. Should I claim. Travel insurance. Kogan Insurance is also offering $10 Kogan. Yes, if you have comprehensive cover, says Casamento. That way you can have a roof over your. Average. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). AAMI Roadside Assist. Cancel. Choose NRMA Insurance for your next trip and enjoy: Unlimited cover for approved medical and hospital expenses incurred overseas with our international plans. What's changed. NRMA Insurance is part of the Insurance Australia Group. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. To get Home Plus, select Upgrade to Plus cover at the end of your quote. Youi Comprehensive Car Insurance is one of the highest rated car insurance policies in the nation, receiving an average customer rating of 4. For example, a comprehensive car insurance quote would typically outline how much cover the policy includes for storm. Make a claim. Continue. Online discounts *, like $20 off Third Party Car Insurance and $50 off Comprehensive Car Insurance for the first year’s premium, for new customers who apply and buy insurance online. Comprehensive coverage, however, is usually cheaper than. Next, make a claim online, through our GIO App, or by calling our claims-dedicated number, 13 14 46. , Comprehensive, Third Party Property Damage or Third Party Fire and Theft) and how risky you are to insure. when you buy a Comprehensive Car Insurance policy online*. Alternatively, if you make certain changes, an insurance provider could charge you more, for reasons like the mods impacting the safety of your wheels, or making it more likely your car will get stolen. Use the promo code SAVE100 when you buy a new Comprehensive or Comprehensive Plus Car Insurance policy and you can get $100 off. Get an eligible home or car insurance quote online, complete the entry form and you could win $50,000. Simply enter your membership number when booking via online quote or calling 1300 363 632. Paying $1200/year on a 10 year old car, they want $1600/y for a new car I’m about to buy. au for the latest advice and updates, or to contact the travel tour provider. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. “NRMA” provides Membership, the “my nrma app” and other services, and is an authorised representative of the insurer, Insurance. Just renewed my 4WD comprehensive car insurance with Club 4X4 at $1252. $50 OFF When you quote and buy online. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. $100 off New Comprehensive or Comprehensive Plus Car Insurance. It’s also our most popular policy. This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL. It covers businesses for their civil liability from providing professional services, like advice, which causes certain types of loss or damage (like financial loss) to their clients 2. 90% of. Get a quote online or call 1800 646 605. We’ll pay the reasonable amount it would cost. With $100 off any new NRMA Comprehensive Car Insurance policy, we’re helping to lighten the load just a little these holidays. NRMA seems to have gotten expensive lately. *National Roads and Motorists' Association Limited, ABN 77 000. If your car is stolen or damaged in an incident covered by your policy we will cover you for reasonable after claim expenses up to $1500. Compare. Generally, some of the risks covered and other features on offer may include:. Save 15%^ on your first year’s premium when you purchase a new Car Insurance policy online. Renewal premium charge is excessive. With no joining fee and the option to easily add it to your Platinum or Comprehensive Car Insurance policy, Roadside Assist is a simple and affordable way to stay covered 24/7 on roads Australia-wide. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Get a quick quote In less than a mintue! About our car insurance. NRMA Insurance. S. Tasmania: $450. All this, along with improved and simpler navigation. You’re covered for the market value of your car, up to $10,000. Get a 10% discount if your car is recognised by NRMA as fuel efficient. Flexible car insurance for Australians. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. We will collect, use and disclose your details in accordance with our privacy policy. au. Continue. Offer ends 5 December 2023. 5% for 5-9 years, 10% for. com. Car insurance claims In total, we got 393 quotes from 32 comprehensive car insurance policies. Bingle's comprehensive car insurance is comparatively cheap. Most third party car insurance policies are very similar so price is an important factor. com. An eSafety check costs $42 (for light vehicles) and are only required in NSW. Popular . ago. Get a quote Make a claim. Getting a car insurance estimate, or quote, is the first step towards buying a new car insurance policy. We will collect, use and disclose your details in accordance with our privacy policy. Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number. Get a 5% loyalty discount when you hold one policy for 3-4 years, 7. 8 out of 5 stars from 33 genuine reviews on Australia's largest opinion site ProductReview. NRMA's Comprehensive Car Insurance is available in three levels: Comprehensive Plus, Comprehensive and Comprehensive Basics, with specific. Get a quote today. and you agree that you have been provided with the Car Insurance PDS. 2w ago. This was the average of 186 quotes across 31 insurers for a 2018 Toyota. Bundle Your Insurance Products. au. imaxsameer on 16/06/2022 - 18:30*National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. New vehicle replacement, $30M liability cover & theft hire car cover. Discover new places, new experiences, and new ways to get involved – with plenty of benefits along the way. Roadside Assistance. We can help you get your head around. What would you like to do? Renew a policy. NRMA Comprehensive. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. With NRMA Third Party Property Damage Car Insurance we cover damage to your car caused by an at-fault driver up to $5,000. However, the name 'fully comprehensive' is slightly misleading, as no insurance policy can. I got the comprehensive from nrma on 02/02/2021 (last week) for 1x year, end up paying $68. Our Comprehensive and Third Party Property Damage options also offer a range of benefits and optional extras so you can spend on cover that's most important to you. Business Insurance. NRMA Insurance is part of the Insurance Australia Group. NRMA Comprehensive Motorcycle Insurance provides you with cover for your motorcycle against accidental damage, collision or crash, earthquake, explosion, fire, flood, storm, theft or attempted theft, tsunami, vandalism or a malicious act. Maybe youre driving less kms, car is parked in a different location/garage, ect. The car is valued around $18,000, but when I've been researching insurance quotes over the last few days, these have ranged from $1,300 -. If your car doesn’t need that much cover or Comprehensive is out of your budget, then take a look at a Third Party Property Damage policy. Minimum premiums apply. ⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. Comprehensive car insurance is not mandatory in Australia but there are benefits to having it. All reactions: 25. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681), part of Insurance Australia Group (IAG). Be aware also that there’s no such thing as the best 4WD insurance. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. your quote will differ based on your own circumstances, the below is a guide only. Protect your pride and joy with Veteran, Vintage and Classic Car Insurance from NRMA Insurance. Third Party Fire and Theft. 3. Your coverage amount will depend on your circumstances, such as what car you're driving and more. 80 monthly. Everything ; Comprehensive ; Third party ; MAI ; Vintage ; Comprehensive car insurance. Save 15%^ on your first year’s premium. With 2. Popular . nrma. NRMA Insurance is offering a $50 discount for new or renewing home, motor or landlords insurance policies for RFS members. NRMA Insurance is part of the Insurance Australia Group. NRMA Insurance is part of the Insurance Australia Group. Comprehensive Car Insurance. Traditionally, driving other cars (DOC) was a standard fixture on many fully comprehensive insurance policies but this is no longer the case. 63 / month with discount applied lolComprehensive. Veteran, Vintage and Classic Insurance. *Based on new business quotes for Rollin’ Insurance and insurance competitors including AAMI, Allianz, Bingle, CBA, Everyday Insurance, GIO, QBE, RAA, RAC, RACQ, RACT, Suncorp, and Westpac from across all states and territories with closest available excess. User #911224 115 posts. Drive happy knowing your car’s covered against storm, hail and flood damage. 7 out of 5 stars from 644 genuine reviews (page 7) on Australia's largest opinion site ProductReview. Comprehensive Car Insurance. An NRMA Insurance Domestic Comprehensive or Domestic Cancellation plan offers cover if something unexpected and outside your control happens – forcing you to rearrange or cancel your trip. We offer a range of car insurance in NSW, QLD, TAS, ACT, WA, SA and NT. Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Comprehensive Insurance offers the most cover for you and your car if something goes wrong like an accident or storm damage. Market value — the amount your car would have sold for, at the time of the accident. *National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. gov. What's more, our Comprehensive Insurance covers any licensed rider who rides your. Fortunately a local manger sorted. From the 638 reviews on ProductReview, RACV has. Bingle's average policy costs $767. This reduces the cost of your insurance premiums but means your excess will be more expensive if you make a claim.