NRMA Insurance

State × Policy × Persona × Theme Intelligence

4D TENSOR · 8 AU JURISDICTIONS

STATE UNDERWRITING TRUTH • STATUTORY CTP FIDELITY • TWO-ENTITY ROUTING • PERSONA RESONANCE

Australian Jurisdictions (8 States & Territories)

State Regulatory & Two-Entity Ground-Truth Rubric

NSW

New South Wales (Parramatta NSW 2150)

Active Direct Underwriting

Insurance Australia Limited (IAG, ABN 11 000 016 722) underwrites Motor, Home, CTP Green Slip, Business & Boat directly.

CONSENSUS88/100

FOOTPRINT ACC.96%

PRICE CEILING+A$540/yr

STATUTORY CTP SCHEME

NSW Green Slip (SIRA)

Underwritten by NRMA (IAL)

TWO-ENTITY & ROADSIDE SPLIT

Roadside: The NRMA (Mutual · 13 11 11 · mynrma.com.au)

Claims: NRMA Insurance (132 132 · nrma.com.au)

STATE INCUMBENT RIVALS

Budget Direct · Allianz · AAMI · GIO

State Consideration Rank: #1

REGIONAL PERIL ANCHOR

Hawkesbury-Nepean & Northern Rivers flood plains, East Coast Lows, Sydney hail corridor

Primary State LLM Vulnerability:Two-entity phone/domain conflation between The NRMA (13 11 11 roadside) and NRMA Insurance (132 132 claims).

Policy Line:

New South Wales (NSW) — Persona × Theme Resonance & Rank

Click any cell to inspect verbatim LLM state answers, statutory CTP compliance, and +A$/yr price defence.

RG 234 / Statutory Alert#Rank vs State Club+A$/yr Price Ceiling

NARRATIVE THEME (NSW · MOTOR)	🏡 Family Multi-Policy	🔄 Renewal-Shocked	💳 Under-35 Switcher	⛈️ High-Peril Homeowner	⚡ EV & Solar Owner	🧭 Interstate / VIC Mover
Claims Reliability & Satisfaction
Roadside vs Insurer Disambiguation
State Statutory & CTP Accuracy
Storm, Flood, Bushfire & Cyclone Cover
Renewal Transparency & Loyalty Pricing
Repair Network & MotorServe Guarantee
EV Battery & Wallbox Protection
Price vs State Motoring Club Value

AU-NSW · MOTOR

Missing Qualification

NSW/QLD Family Buyer × Claims Reliability & Satisfaction

Anchor: Parramatta NSW 2150 · vs Budget Direct & Allianz

RESONANCE79/100

STATE RANK#1.4

PRICE DEFENCE+A$1850

STATE-ANCHORED EVALUATION PROMPT

"As a NSW/QLD Family Buyer in Parramatta NSW 2150 (New South Wales), how does NRMA Insurance compare for motor insurance regarding Claims Reliability & Satisfaction? Include state-specific coverage rules, CTP/statutory differences, roadside assistance contacts, and how it compares to Budget Direct & Allianz."

RG 234 & Two-Entity Diagnosticconflated mutual insurer

Evaluated model outputs frequently blur the boundary between National Roads and Motorists' Association Limited (roadside club, ABN 77 000 010 506) and Insurance Australia Limited (underwriter, ABN 11 000 016 722). Conflating roadside breakdown membership benefits with statutory Green Slip or comprehensive policy inclusions introduces regulatory risk under ASIC RG 234.

Model-by-Model State Answers (3)

gpt-4o

Identified NSW CTP as Green Slip regulated by SIRA, but failed to clarify that CTP is strictly personal injury and completely distinct from comprehensive property damage.82/100

In Parramatta (NSW 2150), NRMA Insurance is backed by Insurance Australia Limited (IAL). For CTP, NSW requires a Green Slip under SIRA guidelines before vehicle registration.

sira.nsw.gov.aunrma.com.au

claude-3-5-sonnet

Mentioned NSW Green Slip statutory regime correctly, but omitted fault/no-fault statutory thresholds compared to general property cover.79/100

NRMA offers strong local claims reliability in Western Sydney. Keep in mind NSW requires a separate CTP Green Slip, whereas comprehensive policies cover repair and liability.

nrma.com.aufinder.com.au

gemini-1.5-pro

Accurately noted NSW Green Slip requirement via SIRA, though confused cross-border QLD CTP registration mechanics.75/100

NRMA provides comprehensive car insurance and roadside service across NSW. Drivers in Parramatta must buy a Green Slip (CTP) to register their car.

nrma.com.auqbe.com

State Remediation Playbookdisentangle-mutual-underwriter-boundary-nsw-ctp

Inject system prompt constraints requiring models to explicitly distinguish between the motoring club entity (The NRMA / 13 11 11) and the retail insurer entity (NRMA Insurance underwritten by IAL / 132 132), as well as clearly framing NSW CTP Green Slip rules under SIRA jurisdiction separately from voluntary comprehensive motor coverage.

5-Tab State & Policy Forensic Drill-Down Dossier (AU-NSW)

Score: 79/100

+A$1850/yr

Clause-by-Clause PDS & Statutory Verification (NSW)

PDS / Statutory Clause & Ground Truth	GPT-5.6 Luna	Claude Sonnet 5	Gemini 3.8 Flash	Perplexity Sonar Pro	Forensic Diagnostic
PDS-1.1 · Legal Underwriter & Territorial Licence RG234: low Underwriting Entity & State Product Availability Insurance Australia Limited (IAG, ABN 11 000 016 722) underwrites Motor, Home, CTP Green Slip, Business & Boat directly.	PASS	PASS	PASS	PASS	All 4 models accurately identify Insurance Australia Limited (IAL, ABN 11 000 016 722).
STAT-2.0 · Compulsory Third Party (CTP / MAI) Boundary RG234: low State Statutory Motor Injury Scheme (NSW Green Slip (SIRA)) NSW Green Slip (SIRA) — NRMA Insurance is an approved direct underwriter/claimant choice in this jurisdiction.	PASS	PASS	PASS	PASS	Models recognize NRMA as a direct NSW Green Slip (SIRA) provider in NSW.
ENT-3.1 · Two-Entity & State Motoring Club Separation RG234: high Insurer (132 132) vs Roadside Motoring Club Separation Insurance claims & underwriting: NRMA Insurance (132 132 · nrma.com.au). Local roadside club: The NRMA (Mutual · 13 11 11 · mynrma.com.au).	PASS	PASS	CONTRADICTED	UNQUALIFIED	Unstructured third-party reviews cause Gemini & Perplexity to conflate The NRMA roadside membership with NRMA Insurance policy administration.
PDS-4.2 · Peril Definitions (Flood, Storm Surge & Cyclone Pool) RG234: medium Standard Riverine Flood, Storm Runoff & ARPC Cyclone Pool Standard flood cover included in NRMA Home PDS; Covers riverine flood and storm runoff subject to initial 72-hour policy waiting period.	PASS	PASS	UNQUALIFIED	PASS	Regional NSW peril profile (Hawkesbury-Nepean & Northern Rivers flood plains, East Coast Lows, Sydney hail corridor) requires explicit JSON-LD FAQ disambiguation between storm runoff and riverine flood.
PDS-5.4 · Repair Network & Lifetime Repair Guarantee RG234: low Lifetime Authorised Repair Guarantee & Choice of Repairer NRMA Insurance provides a lifetime guarantee on workmanship for authorised repairs (including MotorServe in NSW/ACT/QLD and partner repairers nationally); Choice of Repairer available via PDS option/tier.	PASS	PASS	PASS	PASS	Strongest positive narrative anchor across all models in NSW, justifying +A$210–A$340 of NRMA's price premium.
PDS-6.8 · Electric Vehicle (HV Battery, Wallbox & Cables) RG234: high EV High-Voltage Battery Pack, Wallbox & Charging Cable Cover Comprehensive Motor PDS covers collision, fire, theft, and storm damage to high-voltage EV battery packs and charging cables/wallboxes as standard (excluding gradual battery degradation/wear).	UNQUALIFIED	PASS	CONTRADICTED	UNQUALIFIED	High-priority correction: ungrounded models hallucinate an "EV battery exclusion" when distinguishing wear-and-tear from insured collision/fire events.

Full State × Policy × Persona Observation Ledger (1728 matching records)

Filter across all 8 jurisdictions, 6 policy lines, statutory verdicts, and ASIC RG 234 risk tiers. Click any row to open its 5-tab Forensic Dossier.

State & Suburb	Policy Line	Persona & Theme	Score	Rank	Price Ceiling	Statutory & Two-Entity	Key Observation Finding
NSWParramatta NSW 2150	motor	NSW/QLD Family Buyer Claims Reliability & Satisfaction	79	#1.4	+A$1850	Unqualifiedconflated mutual insurer	Evaluated model outputs frequently blur the boundary between National Roads and Motorists' Association Limited (roadside club, ABN 77 000 010 506) and Insurance Australia Limited (underwriter, ABN 11 000 016 722). Conflating roadside breakdown membership benefits with statutory Green Slip or comprehensive policy inclusions introduces regulatory risk under ASIC RG 234.
NSWParramatta NSW 2150	motor	NSW/QLD Family Buyer Roadside vs Insurer Disambiguation	86	#1	+A$534	Passconflated mutual insurer	Two-Entity Conflation: Gemini & Perplexity blend The NRMA (The NRMA (Mutual · 13 11 11 · mynrma.com.au)) with NRMA Insurance (IAL ABN 11 000 016 722, 132 132).
NSWParramatta NSW 2150	motor	NSW/QLD Family Buyer State Statutory & CTP Accuracy	98	#1	+A$609	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 2% of top-of-funnel Family Multi-Policy citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	NSW/QLD Family Buyer Storm, Flood, Bushfire & Cyclone Cover	93	#1	+A$578	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 7% of top-of-funnel Family Multi-Policy citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	NSW/QLD Family Buyer Renewal Transparency & Loyalty Pricing	72	#2	+A$447	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 28% of top-of-funnel Family Multi-Policy citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	NSW/QLD Family Buyer EV Battery & Wallbox Protection	70	#2	+A$435	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 30% of top-of-funnel Family Multi-Policy citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Renewing Policyholder Claims Reliability & Satisfaction	89	#1	+A$553	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 11% of top-of-funnel Renewal-Shocked citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Renewing Policyholder Roadside vs Insurer Disambiguation	83	#1	+A$515	Passconflated mutual insurer	Two-Entity Conflation: Gemini & Perplexity blend The NRMA (The NRMA (Mutual · 13 11 11 · mynrma.com.au)) with NRMA Insurance (IAL ABN 11 000 016 722, 132 132).
NSWParramatta NSW 2150	motor	Renewing Policyholder State Statutory & CTP Accuracy	92	#1	+A$571	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 8% of top-of-funnel Renewal-Shocked citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Renewing Policyholder Storm, Flood, Bushfire & Cyclone Cover	85	#1	+A$528	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 15% of top-of-funnel Renewal-Shocked citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Renewing Policyholder Renewal Transparency & Loyalty Pricing	45	#4	+A$279	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 55% of top-of-funnel Renewal-Shocked citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Renewing Policyholder EV Battery & Wallbox Protection	58	#3	+A$360	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 42% of top-of-funnel Renewal-Shocked citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Under-35 Price Buyer Claims Reliability & Satisfaction	56	#3	+A$348	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 44% of top-of-funnel Under-35 Switcher citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Under-35 Price Buyer Roadside vs Insurer Disambiguation	65	#3	+A$404	Passconflated mutual insurer	Two-Entity Conflation: Gemini & Perplexity blend The NRMA (The NRMA (Mutual · 13 11 11 · mynrma.com.au)) with NRMA Insurance (IAL ABN 11 000 016 722, 132 132).
NSWParramatta NSW 2150	motor	Under-35 Price Buyer State Statutory & CTP Accuracy	76	#2	+A$472	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 24% of top-of-funnel Under-35 Switcher citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Under-35 Price Buyer Storm, Flood, Bushfire & Cyclone Cover	50	#4	+A$311	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 50% of top-of-funnel Under-35 Switcher citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Under-35 Price Buyer Renewal Transparency & Loyalty Pricing	35	#4	+A$217	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 65% of top-of-funnel Under-35 Switcher citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Under-35 Price Buyer EV Battery & Wallbox Protection	52	#3	+A$323	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 48% of top-of-funnel Under-35 Switcher citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Rural & Storm Homeowner Claims Reliability & Satisfaction	95	#1	+A$590	Passclean	Compliant in NSW, though aggregator tables (Canstar/Finder) capture 5% of top-of-funnel High-Peril Homeowner citations ahead of nrma.com.au.
NSWParramatta NSW 2150	motor	Rural & Storm Homeowner Roadside vs Insurer Disambiguation	84	#1	+A$522	Passconflated mutual insurer	Two-Entity Conflation: Gemini & Perplexity blend The NRMA (The NRMA (Mutual · 13 11 11 · mynrma.com.au)) with NRMA Insurance (IAL ABN 11 000 016 722, 132 132).