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NRMA: p 24: General exclusions for both Income Protection Cover and Essentials Cover – We won’t pay a benefit if the claim is caused directly or indirectly by: Any mental health disorder; including anxiety disorders, depression and stress, disorders related to fatigue, drug or alcohol abuse; Virgin money: p 13: When is a benefit not payable? Income Protection helps you feel confident in your family’s financial security. Get an online quote today. NRMA Insurance offers a comprehensive range of insurance policies Car Insurance CTP Home Travel Business Life & more. Review this pros and cons of NRMA life insurance & income protection. Motorcycle and scooter insuranceNRMA Insurance has been insuring Australians for over 90 years. WASHINGTON, Nov. 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. Business Insurance 132 818 (8am–8pm, Mon–Fri). 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