Thread: NSW Historic Vehicles - NRMA Comprehensive Insurance

Hi all - I am a Club delegate to the Council of ACT Motor Clubs and due to the small size of the ACT, many ACT club members live in NSW and hence have NSW Historic Registration and NRMA "Classic" comprehensive car insurance.

Under the NSW system you can use your historic car as you choose for up to 60 days per year, including commuting and going to the shops.

It has come to the Council's attention that the NRMA "Classic" comprehensive insurance specifically excludes Historic vehicles being used to commute to work and going to the shops even though it is permitted under the NSW permit rules.

The ACT Council registrar has taken this up with the NRMA and they have confirmed their comprehensive policy for classic vehicles does NOT provide cover for historic vehicles being used for commutes or shopping even though it is perfectly legal under the historic registration rules.

In response to the ACT Council registrar, the NRMA said:
"The (NRMA insurance) team have come back to us confirming we do not cover vehicles that are used to commute to work or the shops. One of our underwriting criteria's is we do not cover vehicles being used as an "everyday day" vehicle. We understand the RMS may have changed their criteria and if we do make any changes in future we will be sure to let our customers know but this is not available at this time."

So if you have a historic vehicle on NSW club plates and it is comprehensively insured through NRMA Classic insurance you need to consider the suitability of the product, particularly if you occasionally commute or use the vehicle to go shopping. I dont believe any of the other classic car insurers have the same limitations.

I hope this information helps.

Cheers

Garry

Originally Posted by 87County

Hi Garry , that link doesn't work for me

The NRMA VVC PDS only notes that it's not covered if it's used for regular commuting or covers more than 9000km per annum - that's all - absolutely nothing about having to only be used on club activities.

Please post a copy of the page you refer to above so we can all see it.

Thanks

Try copying the link into your browser and see if it works. I can only read PDFs not cut and paste them. Alternatively just google NRMA VVC PDS and I am sure you will find it (that is how I initially found it). The link does work for everyone I have sent it too.

Yes the NRMA VVC is not only for cars on Historic Rego but any car the NRMA deems to be a classic that is over 15 years of age. If you are using one of these vehicles that is not on club rego and using it for commuting all year round, then yes as Bigbjorn says you should be on full NRMA comprehensive insurance.


However if your everyday driver is in the garage for repairs and you need a vehicle to drive to work for a week, under the NSW Conditional Registration Scheme (CRS) that is OK but you will not be insured if you are with the NRMA - you will be with Shannons.

I am just highlighting the issue so that individuals can assess their own circumstances and make their own choices - everyone I have spoken to who has a vehicle registered under the NSW CRS and has NRMA VVC was not aware of this no commuting clause in the PDS - they are now and most are reviewing their options.

Those who don't commute etc say it is not a problem for them, and others have said that they do not commute but if they had too, they would like to know they were covered.

An individual choice.

Garry