Part 1 Quiz |Week 1 - NRM\SGI Process

OI was stationary waiting for the traffic light to turn green and the other party suddenly hit him from behind. What should be the correct General Nature of Loss (GNOL) and Cause of Loss (COL)?

• Collision - Hit Animal - No recovery

• Collision - Third Party Hit Insured in Rear

• Collision - Third Party Failed to Give Way

In a Third-Party Property Damage Policy (for both NRMA Heritage and NRMA new policies), how much are we covering if our Insured’s vehicle was involved in a collision and criteria for UMD has been met?

• $7000

• $10000

• $2000

• $5000

In SGIO/SGIC policies, if our Insured lodged a Not-at-Fault claim are they entitled to a NAF Hire Car Benefit?

• Yes, we can arrange a NAF Hire Car for OI - up to $65/day.

• No, we cannot arrange a NAF Hire Car for OI, but we can let them know that they have the option to pay it upfront, keep the invoice and recover it from the Other Party. However, there is no time frame and no guarantee.

• Yes, we can arrange a NAF Hire Car for OI for up to $75/day until the vehicle is repaired in accordance with their policy limits.

• No, we cannot arrange a NAF Hire Car for OI because we do not have a HC supplier that is in Western and Southern Australia.

This tool allows consultant to check the OI's policy coverage and entitlements in a more detailed way, which are important when managing a claim. 

In a Comprehensive Policy (for NRMA new policy holders) where OI is At-Fault and HC option was not added, what is our Insured’s Hire Car entitlement?

• Hire Car for up to $75/day for 14 days.

• Hire Car at Corporate Discounted Rate

• Hire Car for up to $65/day for 14 days

• Hire Car for up to $100/day for unlimited days (until the vehicle is repaired or until we settle the claim)

Our Insured lodged a claim where he was involved in an incident involving an animal. And because of that, the front bumper and front left tyres were damage. Is this something that we can cover?

• Yes, As part of General exclusions – Type of loss or damage, we can cover the damages as long as there are other parts of the vehicle that were also damaged.

• No, As part of General exclusions – Type of loss or damage, we cannot cover tyre damage cause by road cuts, punctures, bursts or braking (except if there is loss or damage to the other parts of the vehicle).

Our Insured is calling to claim the damage to his personal items in his Comprehensive Policy (for NRM Heritage). OI has helmet worth of $565 and bike gear for $1200. How much are we covering them under their personal items?

• $1565

• $1765

• $1700

• $1000

Our insured advised she had an ‘At Fault Accident’ which has caused damaged to her vehicle.  Our insured also advised that there are damages to her friends’ trailer that she was towing. Would damage to her friend trailer be covered?

• Yes. Since it is attached on our insured’s vehicle, we can cover it.

• Yes. Trailer will be covered, and we can cover up to $1000

• No. Trailer will not be covered, as we only cover if it is owned by insured

• Yes. Trailer will be covered up to $1000 in total to repair or replace.

Under Emergency transport and accommodation If our Insured vehicle is damaged and cannot be driven or used because of an incident, we have agreed to cover under ‘Loss or damage to your vehicle’ that occurs more than 100 kilometers from home. For Comprehensive Policy (NRM Heritage) how much can we cover them?

• $1000

• $1500

• $800

• $2000

This team/department manages total loss, malicious damage, and theft claims.

• Inception Team

• Assessing Team

• Fraud and Investigation Team

• High Impact Team