Is this renewal notice from NRMA a scam?
Insurers like NRMA are impersonated with fake refund, renewal and claim messages. A text, email or renewal notice that looks like it's from NRMA can be genuine — but it can just as easily be a scam built to look identical. The good news: a few quick checks almost always tell a real NRMA message from a fake.
Genuine NRMA links only ever go to nrma.com.au. Below is exactly what a real NRMA message looks like, the scams currently circulating in its name, the red flags that give a fake away, and a real example to compare against. Got a message in front of you? Check it now for an instant verdict.
Australians reported about $2 billion in scam losses in 2024 — down 25.9% on the year before. Source: National Anti-Scam Centre
What a real NRMA message looks like
Genuine messages from NRMA only ever link to nrma.com.au.
- NRMA never sends SMS from a short code or unknown number asking you to click a link for a premium refund
- Genuine NRMA communications about policy changes or payments are sent from an identifiable long number or appear inside the My NRMA app or your logged-in account at nrma.com.au
- NRMA does not cold-contact members via SMS or email demanding immediate action on a supposed overpayment
- Real NRMA renewal or claim updates are visible when you log directly into your account at nrma.com.au rather than arriving as an unexpected link
- NRMA never requests card details or personal verification via a text message
Crucially, NRMA will never text you a link to claim a premium 'refund', or ask for card details to process one.
Common NRMA scams
- Scammers send SMS claiming you are owed a premium refund and include a link to a fake site mimicking nrma.com.au to harvest card details
- Fraudsters pose as NRMA and text about an urgent policy adjustment that requires you to "confirm" details on a spoofed login page
- Impersonators use lookalike domains such as nrma-refund-claim.com or nrma-secure-login.net in messages that appear to come from NRMA
Red flags to watch for
- The message contains a shortened or suspicious link instead of directing you to log in at nrma.com.au yourself
- It claims an immediate refund or policy change that you did not request and urges you to act now
- The sender ID is a random long number or a short code rather than a known NRMA number you have previously received messages from
- The text asks for card, login or personal details to process the supposed refund
- Hovering over or previewing the link reveals a domain that is not nrma.com.au
Scam text examples
Here's a real example of a scam message impersonating NRMA, with the tell-tale red flags highlighted. Compare it against anything you've received.
NRMA: Your policy overpaid $187. Claim refund now: https://nrma-premium-refund.net/claim
What gives it away:
- The message contains a shortened or suspicious link instead of directing you to log in at nrma.com.au yourself
- It claims an immediate refund or policy change that you did not request and urges you to act now
- The sender ID is a random long number or a short code rather than a known NRMA number you have previously received messages from
- The text asks for card, login or personal details to process the supposed refund
- Hovering over or previewing the link reveals a domain that is not nrma.com.au
Not sure about your message?
Paste the suspicious NRMA text or email and get an instant scam verdict, free.
How to verify a message from NRMA
- Log in directly at nrma.com.au or via the official My NRMA app to check any refund or policy notices
- Type nrma.com.au yourself in your browser rather than clicking any link in a message
Where to report a scam impersonating NRMA
Received — or fell for — a message impersonating NRMA? Report it. It helps authorities and carriers shut the campaign down for everyone who gets the next one.
- NRMA scam alerts — NRMA's own page on current scams and how to report one.
- Scamwatch — Report the scam to the ACCC's national scam service.
- ReportCyber — Report cybercrime and financial loss to the police.
- ACMA — Report scam texts and spam SMS or calls.
- Forward to 7226 (SPAM) — Forward the scam SMS to short code 7226 so your carrier can block the source.
- IDCARE — Free identity and cyber support if your details were taken.
Frequently asked questions
I got a text from NRMA saying I have a premium refund — is it a scam?
NRMA does not send SMS links for refunds. Log straight into your account at nrma.com.au to verify any payment, and report the message at scamwatch.gov.au.
How do I know if an NRMA message is real?
Genuine NRMA messages never ask you to click a link for a refund or to enter details. Check the same information by logging into nrma.com.au yourself.
What should I do if I clicked the link in a fake NRMA text?
Change any passwords you entered, monitor your accounts, and report the incident to IDCARE on 1300 432 273 or via cyber.gov.au.
Related scam types
Scams impersonating NRMA usually fit one of these patterns. Learn how each works:
Related brands
Other insurance names scammers impersonate — check a message from one:
This guide is general information, not legal or financial advice — always verify with NRMA through an official channel.