Renew online offer terms and conditions. I was hit with a $60+ pa / 15% increase without notice for the same. We accept Visa and Mastercard. Vehicle Plus. How do I renew my membership with NRMA? To renew your membership online, visit NRMA * or renew using BPAY. At insurance renewal time, you should also check your renewal document carefully and tell us of any changes to your car, how you use it and. We'd love to hear from you. The commission consists of a fee when you first take out the car loan and a trail commission during the life of your loan. NRMA Insurance is part of the Insurance Australia Group. What type of policy would you like to pay for? Renew your existing insurance or pay for a new policy with NRMA Insurance Car Insurance CTP Home. NRMA Third Party Property Damage Car Insurance covers damage to your car caused by an at fault driver up to $5000. C. NRMA car insurance NRMA: 22: felipe1982. We offer a range of car insurance in. 0 (1,196) See the Best Car Insurance in 2023 as rated by Australians on ProductReview. Renew your roadside here. The promoter is the National Roads and Motorists’ Association Limited ABN 77 000 010 506 of 9 Murray Rose Avenue, Sydney Olympic Park NSW 2127 (Promoter or NRMA). Login without password. Browse. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. Renew or make payments. 5 Changing levels of cover on a Vehicle You may change the Subscription Package for Your Vehicle simply by purchasing an Available Subscription Package when Your current Subscription Package is due for renewal. You can also renew by calling us on 132 132, visiting one of our branches or your nearest Australia Post office. au. NRMA Insurance is part of the Insurance Australia Group. "I recently went to renew my comprehensive car insurance. Get a CTP Insurance quote online today. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). 131 144. 99 a month over 12 months or $225 for a whole. NRMA Insurance acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of land and waterways in which we live and work. Your new CTP insurer will be shown on the vehicle registration renewal notice from the Department of Transport and Main. The cost of our Third Party Property Damage Car Insurance is determined by a range of factors, including: the age and driving experience of the person who drives the car the most. You can also cancel over the phone on 1800 882 364, or at your nearest branch. Mon-Fri 8am-5pm, Sat 8am-1. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this. It's now common that some new cars provide a few years roadside assistance, NRMA now have a special member rate that keeps you membership alive (can use for maps, etc) but does not give roadside assistance. Update your payment details. With 9 out of 10 problems fixed on the spot and towing options direct to your mechanic, NRMA* will keep you moving. So you can enjoy more chances to save, we’re extending your NRMA Membership free of charge for another year, valued at $60. 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. Gold members. Enter your email address (if it's not prefilled) and tick the box for 'Subscribe to all email. Step 2: Once you're signed in, click on "Documents" found on the right-hand side. Request roadside assistance. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your. Also covers legal liability for damage to other people's property up to $20 million. Step 2: Once you're signed in, click on "Update" found next to your existing card details. for 24/7 business roadside assistance. 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. If you're a business Member please call 1300 369 349 and select option 1. Disclaimer: NRMA Car Loans products are provided by RACV Finance Ltd (ABN 82 004 292 291) trading as NRMA Car Loans. • With more trained technicians ready to help in more place, we get. If another car is involved, it's important to try and get the other driver's details. Don't remember your details? Log in easily with your mobile and date of birth here . 97. NRMA Roadside Assistance Package are supplied by the NRMA. Members save 15% off daily rates across Australia. com. Unlimited 24/7 callouts, 365 days a year. 25+ 12. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Help and support. The full list of car insurance companies operating in Australia (including the car insurance providers we work with) are listed below: 1 st for Women; 1300 Insurance; AAMISign in. Login without password. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). . 5 tonnes (gross vehicle mass). Cover that keeps pace with your life Car Insurance Home Insurance Motorcycle policies Quotes and more online. I've instead chosen to insure it for agreed value of $37,700 at a cost of $630 with an $850 excess. From $9. Call us on 133 723. You can submit the required details. Car insurance renewals and payments. P. 60 per year. * 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. I've sold my car. 2 per cent on Monday after the company re-affirmed that it expected to continue pushing through steep. Non-Members delivery and installation fee of $60 for Sydney Metro and may vary dependant on area in regional areas. Drivers who commit a lower-range drink-driving offence for the first time will have their licence suspended immediately, effective for three months. Roadside assistance. Do you have an NRMA insurance policy? Login here. NRMA Insurance is part of the Insurance Australia Group. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at. Buying an used automobile in 2021. for 24/7 business roadside assistance. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Right now, when you renew your membership online and on time, you'll get a special online offer. All round roadside cover for just $20. Pay a new policy. 02. Step 4: Once downloaded, you'll find your personal BPAY. Car insurance companies in Australia. Members receive free delivery and installation 24/7, 365 days a year. Excludes NRMA business memberships. Pricing and details released for Subaru’s first EV in Australia. Start and track your claims, get a new quote or retrieve saved quotes, update your details. Black Friday Cyber Monday. time to arrival from November 2017 to November 2018 when the service is requested over the phone or via the My NRMA app. Manage monthly payments. This year $117. Generally, vehicles more than five years old are required by the RMS to pass an eSafety check – also referred to as a pink slip, or rego check – before you can renew your registration. Renewing online is quick and simple, and only takes a couple of minutes. NRMA business membership gives you and your employees 24/7 roadside assistance across Australia. ridiculous processes, repairers hate them and the customer service is woeful. com. PayPal payments take a few days to process. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Should I claim. This NRMA Motor Insurance Premium, Excess, Discounts & Helpline Benefits Guide should be read with and forms part of the NRMA Motor Insurance. Winner. Make, track and manage a home or car claim. . Premium Care is essential roadside assistance protection for those who travel out of town or have larger vehicles like 4WDs and SUVs up to 3. Sign in. 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. 15% multi-policy discount # when you combine any 3 or. Sort by: Newest. V. Fill out the necessary boxes which are colored in yellow. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Step 1: Sign in to your online account at mynrma. 3/5 overall, 4. You can access your account where you can manage your details and services for your. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). By Phone. Get an NRMA Boat Insurance quote online today. SGIO is part of the Insurance Australia Group. NRMA Insurance is part of the Insurance Australia Group. Download or update the My NRMA appand log in with your membership or mobile number. Insurance (except Travel Insurance) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as SGIO. If you were the registered owner of a private vehicle as at midnight 30 November 2017, you may be able. Membership with NRMA* (except NRMA* Business Membership) counts towards your Policy Count and, for a limited time, Years of Relationship for the NRMA Insurance Loyalty Discount but it doesn’t receive the NRMA Insurance Loyalty Discount. The lowest level of optional car insurance cover, Third Party Property Damage (TPPD) Car Insurance is designed to offer protection to you against damage you might cause to other people’s property. National Debt Helpline. 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. Compare more than 40 comprehensive car insurance policies to find the best cover for your ride. With 9 out of 10 problems fixed on the spot and towing options direct to your mechanic, NRMA* will keep you moving. We accept Visa and Mastercard. Manage your policy. Simply download or update the My NRMA app and start enjoying all the great benefits that come with membership. 42 per month. Unless you opt out, of paper communications, Transport for NSW will send paper renewal notices six weeks before the rego is due so make sure your address is up to date. (25 years to 49 years of membership) Gold Plus. Hire car cover may be essential if you use your car daily. NRMA Car Insurance - CTP Green Slip (NSW) (Car Insurance): 2 out of 5 stars from 51 genuine reviews on Australia's largest opinion site ProductReview. Ends Nov 18, 2023. If you’re not sure, call 13 22 13. Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Clean the car inside and out or have the car professionally. This NRMA VVC Vehicle Insurance Premium, Excess & Discounts Guide should be read with and forms part of the NRMA VVC Vehicle Insurance Product Disclosure Statement and Policy Booklet (PDS), prepared on 28 February 2021. Get an additional 1% off a car loan*. Pay by credit card at Pay my bill. all the way up till your next renewal is due. My Personal example is my car insurance renewal went up $900 compared to the nearest competitor from the Suncorp group and the increase is the result of after the supposed loyalty discount of 17. Enjoy exclusive savings on driving lessons, SIXT car hire, holiday deals, stays at NRMA Parks and Resorts, car finance and car insurance. com. on or after 28 October 2021 or with a renewal effective date on or after 30 November 2021*. Mrs Cko, Mot is 617 499 122, To Renewal For 2023. Follow the steps below to add a vehicle to your membership: Step 1: Sign in to your online account at mynrma. Eligible Recipients (see paragraph 2) agree to be bound by these Offer Terms and Conditions. My Personal example is my car insurance renewal went up $900 compared to the nearest competitor from the Suncorp group and the increase is the result of after the supposed loyalty. This is a service I can't do without as we live regionally and I travel 1000s kms per year. Business Insurance. To pay or renew insurance policies: 131 144 Pay online. 67 per month. Find out more. All this, along with improved and simpler navigation. Register in 3 simple steps or sign in with your email or mobile number. Up to 25% off eligible NRMA Insurance policies. au. QBE Insurance is one of Australia's leading providers of car insurance, CTP green slips, business insurance & home insurance. The CTP Insurer Premium is variable as CTP Insurers can set different premiums within a premium band. Eligible Recipients (see paragraph 2) agree to be bound by these Offer Terms and Conditions. NRMA Insurance is part of the Insurance Australia Group. We're available 24 hours a day, 7 days a week. *. com. Discover new places, new experiences, and new ways to get involved – with plenty of benefits along the way. You can access your account where you can manage your details and services for your. Plus, search and redeem benefits and discounts on things like electricity usage, home and car insurance^, car servicing and movie tickets. And they changed my agreed value. au. au. However, from renewal, your payment(s) will be processed by Insurance Australia Limited (trading as NRMA Insurance) under direct entry ID ‘131191’. Check all your changes are correct then select Update my policy. The NRMA Insurance Loyalty Discount offers between 5% and 25% off eligible insurance policies † depending on your entire Policy Count and Years of Relationship. Start a claim. Free2go gets young drivers off to a good start. Get a quote today. This NRMA Insurance Car Insurance Premium, Excess and Discounts Guide should be read with and. Eligible motorists will be refunded part of their 2017 Green Slip under the NSW Government's new compulsory third-party insurance plan. As the customer had paid for "choice of repairer" the NRMA wrote the car off, removed the vehicle and took it to another repairer to effect the repairs. Renew your roadside here. And don’t forget, your Membership is much more than just great roadside. A snapshot of the number of lives lost and casualties on NSW roads, as well as quantified the cost by region and main arterial road. They still include $30 million in liability. And, personally make a difference to those in need. NRMA Insurance (except Travel sold in NSW. “NRMA” provides Membership, the “my nrma app” and. Information about these test cases is available on the Insurance Council of Australia. Simply log in to the app. Your insurance provider will send you a letter in the mail or an email with a new rate. Cover to suit all business vehicles and fleet sizes including electric, hybrid and plug-in cars. Renew online Insurance Car insurance; Comprehensive; Comprehensive Plus; CTP Green Slip; Third Party Property Damage; Third Party Fire & Theft; Insurance help; How dash-cam footage can. Mutual Assist breakdown cover provides roadside assistance for breakdowns more than a quarter of a mile from your home and where the total recovery distance is under 20 miles, misfuelling cover, local recovery and a small hire care for 48 hours. Pay online. NRMA Insurance is part of the Insurance Australia Group. Every insurer has a name for this: no claims discount (NCD), safe driver bonus, the list goes on. At insurance renewal time, you should also check your renewal document carefully and tell us of any changes to your car, how you use it and your driving history. Complete Care is all round cover for people who sometimes travel longer distances and often have things in tow. If you cancel the policy, a pro rata proportion of the premium may be deducted. When my car insurance was up for renewal with SGIO a couple of months ago, I checked with NRMA among others and NRMA was way higher than SGIO. NRMA Insurance is part of the Insurance Australia Group. Renew now. *. If you have an NRMA Comprehensive Car insurance policy, one of the first things to do is call us on 132 132 to start your claim. Car insurance discounts are available to members with RACQ Roadside Assistance 1. Compare Insurance Prices and Renewal Costs Online. We accept Visa and Mastercard. Up to 5c per litre off fuel at participating Ampol locations. NRMA Insurance is part of the Insurance Australia Group. T&C's apply. Friday 21 July 2023: The NRMA has partnered with GIVIT as part of the launch of its renewed membership program to help more members support their communities by connecting them with over 4,600 organisations and local community groups through the My NRMA. Save 10c/L on your next 3 fills of Premium fuel at participating Ampol locations. (50 years+ membership - from 25 March 2023) Discounted price for My NRMA membership with roadside assistance packages covering up to two vehicles. A. Most Australians would know the NRMA for our 24/7 roadside assistance, but there's so much more on offer. 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. Right now, when you renew your membership online and on time, you'll get a special online offer. • Australia's largest roadside assistance. Plus, roadside assistance counts towards your NRMA Insurance Loyalty Discount, so you could save the next time you renew your insurance. With 2. Protect your boat on and off the water anywhere in Australia, with great value cover. 01. Towing map - Metro, country and remote areas | Direct debit terms and conditions. Workshop fitment may be required for some makes or models, which may incur an additional charge. Third Party Property cover includes: Damage to other people’s vehicles and property. Type text, add images, blackout confidential details, add comments, highlights and more. What to do if. 50-$166*. Motorists will be refunded part of their 2017 Green Slip under the NSW Government's new compulsory third-party insurance plan. NRMA Blue, a new level of Membership allows anyone to access Member benefits. Finance Ltd will pay National Roads and Motorists’ Association Limited (ACN 000 010 506) a commission. You could save $41. Save up to 12. There have been two test cases in relation to business interruption cover and COVID-19 impacts. Unlike usual roadside assistance Free2Go offers personal cover for vehicles up to 3. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). This is known as an Original Registration. (50 years+ membership - from 25 March 2023) Discounted price for My NRMA membership with roadside assistance packages covering up to two vehicles. Monthly payments are also available for add on products as well that are attached to your roadside subscription. Remember me Want to log in without your password? Send a verification code instead OR Register as a new user Having trouble logging in or registering? Please refer to Privacy & Security for details as to how we manage your personal information. 01. 08 per month. Pay or renew . 99 a month. fkwong. Tap on membership cards at the top of the app homepage to display your membership number. Call 1800 032 220 to start your Compulsory Third Party (CTP) Insurance claim in NSW or QLD. Complete the payment slip on your policy certificate and post it to: NRMA Insurance. 132 132 (7am–8pm). Online. C. 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. 131 144. CoverCar & property damages. In order to change or update your vehicle details you can login to your online profile and click on the edit my profiles tab. NRMA Blue is a new level of Membership delivering access to everyday benefits and savings^. This offer does not apply to existing NRMA policies. Even if your other cars don't get used much, or only on short trips, it's important to still be covered for roadside assistance. Towing map - Metro, country and remote areas | Direct debit terms and conditions. NRMA Insurance is part of the Insurance Australia Group. 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. Sign in. Millions of Aussies count on NRMA* roadside assistance for help with breakdowns, flat tyres, batteries and empty fuel tanks. Renew and chooseyour online offer. Manage your vehicle details. Manage your vehicle. Free2go. The redemption examples show how much a member could spend and save in a month. Print your Certificate of Currency. Step 3: Fill in your new card details and click "Save". While the NRMA has been lobbying on behalf of drivers and road users for positive change for over a century, not all of its roughly 2. 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. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. Up to 15% off tyres and wheel alignments. 82/L with a 40L fuel tank. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. C. For those living in SA, WA and NT, you may be able to save up to 10% on your first year’s premium if you buy online. Keys Plus: $2. Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number. Hi everyone, I just received a renewal notice for a 2007 Toyota HiAce, and my premium has gone up $158. NRMA Insurance is part of the Insurance Australia Group. Annual. 3. 30pm (AET) Save $75 on new comprehensive car insurance when you buy online today! Find out more about QBE Comprehensive Car Insurance and get a quote. Comprehensive. NRMA Insurance is part of the Insurance Australia Group. Winner of Canstar's 2022 - 2023 Most Satisfied Customers - Roadside Assistance Award. Absolute joke as NRMA are increasing all rewewals to cover off the massive $40m fine they have received…. 50 per month and $498 a year*. If you need to register your vehicle and pay for a policy using PayPal on the same day, you’ll need to use a different payment method. Check with NRMA for eligibility requirements and. In this PDS We set out the full details about Your cover and any limits, exclusions and conditions that apply. No claim bonus? Car insurance can be tricky for those not familiar with the product. *. “NRMA” provides. To pay by internet or phone banking, contact your financial institution to make payment from your nominated account. For energy churners, this is a decent deal. 13 11 22. Car insurance is for property. Oh and they got fined recently for unethical behaviour ripping off customers. 02. Renewyourself inNew South Wales. NRMA Insurance is part of the Insurance Australia Group. Learn more about vehicle inspections and driving unregistered. 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. all the way up till your next renewal is due. Access to the AAMI App, making it easy to check and update policy info, track claims, and more. Years of Relationship. I bought my car new in 2020 for $35,600. NRMA Insurance is part of the Insurance Australia Group. Like Comprehensive Car Insurance, it covers your car for incidents like storms, theft and accident damage. ) What SGIO customers need to know. 3. Pay or renew . NRMA members save $15 off pre-purchase. NRMA Insurance is part of the Insurance Australia Group. membership (roadside assistance and My NRMA benefits) from your computer, smartphone or tablet. 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. Finance Ltd will pay National Roads and Motorists’ Association Limited (ACN 000 010 506) a commission. Renew online Insurance Car insurance. Choose a convenient payment option for your NRMA Business Insurance. A. 08 per month. If you're a business Member please call 1300 369 349 and select option 1. NRMA Insurance is part of the Insurance Australia Group. About NRMA Car Insurance? My grandma was driving and she was insured with NRMA. Click the green arrow with the inscription Next to move from field to field. Join Australia's largest roadside assistance network from just $10. com. Renew now. of the NRMA and these Membership Terms and Conditions. KM: Very low. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Find products and services. Take the time to listen to you, and really understand the issue. The Offer is valid from 6 September 2023 to 30 June 2024 (Promotional Period). Comprehensive. For option 1, once you have your quote comparison, your details will be auto-filled on the selected insurer's website when you click the 'buy from insurer' button. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Save on your first year of roadside assistance with NRMA*. Find out what is covered under NRMA Car Insurance Policies. NRMA Insurance cover you up to $75 per day for a hire car until your car’s recovered and. Renewing online is quick and simple, and only takes a couple of minutes. 1 This document contains the terms and conditions which apply to your use of the National Roads and Motorists' Association Limited ('NRMA' or 'we') web site ('web site') and the NRMA Roadside Assistance NRMA smartphone app. 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. Compare Car Insurance Policies from NRMA. And with My NRMA, our members save on these services and more. With 2. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Step 2: Once you're. You’ll be kitted out. Car Insurance - Veteran, Vintage & Classic. For example: If your repair bill is $10,000 and your excess is $500, then you. No excess to pay for glass damage repairs. You can: Update your contact details. 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. When you provide us with feedback, you can always expect that we will: Give you the name and telephone number of the person who is handling your feedback. Of course, driving an unregistered car is illegal, but oversights can and do occur, especially now that windscreen stickers with the renewal date don’t exist anymore. No. 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. com. Applying online is easy. Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance NRMAHOMPED REV5 10/2023 Page 04 of 07 Insured Person #1: — Combined Home Building and Home Contents Insurance (2 products) — Car Insurance (1 product) — Caravan Insurance (1 product) Product Count = 4 Insured Person #2: — Car Insurance. Millions of Aussies count on NRMA* roadside assistance for help with breakdowns, flat tyres, batteries and empty fuel tanks. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. NRMA are the same company as SGIO, same ratings as well, so the premiums should be identical Same company, but the premiums were different. To find out how much your Third Party Property Damage Car Insurance will cost, get a quote online. Any options you choose will be shown on your current Certificate of Insurance. We have everything you need to plan your. The NRMA does not guarantee that the locksmith dispatched to attend your Vehicle will be able to assist You, replace your Vehicle keys, gain access to your Vehicle, or mobilise your Vehicle. 2023 and will apply to all policies under the NRMA Insurance Motor NSW, ACT, TAS and QLD Insurance Product Disclosure Statement and Policy Booklet (PDS), (Prepared on 02/08/2022) version G018066 08/22; taken out with a new business effective date on or after 11 October 2023, or with a renewal effective date on or after 13 November 2023.