NM Insurance - Motorhome Product Assessment

Motorhome Insurance – Training Assessment

All questions in this assessment refer to scenarios involving customers who are considering or currently hold Motorhome insurance policies offered through NM Insurance and its associated brands.

You must correctly answer 20 out of 21 questions to successfully pass the Motorhome Insurance Product assessment.

Lay-Up Cover

A customer has insured their motorhome with NM Insurance and plans to store it at home behind a gate for several months while it is not being used. They would like to reduce their premium during this time. What option is available?

Cancel the policy while the motorhome is not being used

Yes, the customer can select lay-up cover to reduce the premium while the motorhome is not in use

No, the premium cannot be changed

Remove all cover completely

Private Use

A customer has insured their motorhome and later begins using it as part of their business, travelling between work locations and staying in it while working. During this time, the motorhome is damaged in an accident and a claim is submitted. How does the NM Insurance policy respond?

Yes, this would be covered as long as the motorhome is not rented out

Yes, this would be covered provided the insurer was notified

No, this would not be covered as the motorhome is no longer being used for private purposes

Only contents would be covered

Contents Cover

A customer is travelling when their motorhome is broken into and personal items including a laptop, camera and watch are stolen. Are these items covered?

Yes, up to $5,000 with no limits per item

Yes, up to $5,000 in total, with a $1,000 limit per individual item

Yes, but limited to $1,000 in total for all contents

Yes, the full replacement value would be paid

New Motorhome Replacement

A customer purchased their motorhome new, is the first registered owner and has maintained continuous cover with NM Insurance. The motorhome is written off within three years of original registration. How will the claim be settled?

Paid the current market value

Paid the agreed value shown on the policy

Replaced with a new motorhome of a similar make and model, subject to policy conditions

No, this would not be covered

Policy After Total Loss

A customer's motorhome has been declared a total loss and the claim has been settled. What happens to the policy?

The policy continues

The policy is paused

The policy ends

The policy automatically renews

Legal Liability

A customer is reversing their motorhome at a caravan park and accidentally damages another person's vehicle. What is the maximum legal liability cover?

$5 million

$10 million

$15 million

$20 million

Spoiled Food

A customer's motorhome is damaged during a storm, causing a power outage that results in food spoilage. What is the maximum amount payable?

$500

$1,000

$2,000

$5,000

Unsealed Roads

A customer is driving their motorhome on an unsealed road and has an accident. Which statement regarding an excess is correct?

No excess applies

Only the standard excess applies

An additional off-road excess would apply

No, this would not be covered

Wear and Tear

A customer notices their motorhome's roof seals have deteriorated over time, causing a slow water leak and interior damage. They submit a claim. How does the policy respond?

Yes, this would be covered as water damage

Yes, this may be covered depending on the cause

No, this would not be covered, as the damage developed over time due to general wear and tear

Yes, this would be covered under contents

Hire or Reward

A customer asks about renting out their motorhome when it is not being used. How does the policy respond?

Yes, this would be covered if the insurer is notified

Yes, this would be covered if hire-out cover is selected

No, this would not be covered, as using the motorhome for hire or reward is excluded

Yes, but only contents would be covered

Emergency Pet Cover

A customer is travelling more than 100km from home with their dog when it becomes ill and requires urgent veterinary treatment. What is the maximum benefit payable under the policy, and does an excess apply?

$500, with an excess payable

$1,000, with no excess payable

$2,000, with no excess payable

No cover applies

Temporary Accommodation

A customer is travelling more than 100km from home when their motorhome is damaged and is not fit to stay in. What is the maximum temporary accommodation payable?

$1,000

$2,000

$200 per day up to $2,400

The full sum insured

Returning the Motorhome Home

A customer is travelling more than 100km from home when they are unable to continue driving their motorhome due to illness. What is the maximum amount payable to return the motorhome home?

$1,000

$2,000

$5,000

The full sum insured

Change of Storage Address

A customer moves house and begins storing their motorhome at a different location. What should they do?

Wait until renewal

Do nothing

Notify NM Insurance as soon as possible

Cancel the policy

Incorrect Fuel

A customer accidentally puts the wrong fuel into their motorhome, causing engine damage. How does the policy respond?

Yes - this would be covered as accidental damage

Yes - this would be covered as a mechanical failure

No - this would not be covered, as mechanical or operational damage is excluded

Yes - this would be covered under contents

Unlisted Driver

A customer allows someone who is not listed on the policy to drive the motorhome and an accident occurs. Does an unlisted driver excess apply?

Yes

Windscreen Damage

A stone cracks the motorhome's windscreen while driving, with no other damage. Will the policy respond?

Yes – the windscreen would be covered, with the standard excess applying

Yes – the windscreen would be covered with no excess payable, up to $1,500

No – cover would only apply if optional windscreen cover had been added

Yes – the windscreen would be covered up to the full sum insured

Emergency Repairs

A customer is travelling when their motorhome is damaged in an accident and emergency repairs are required to make it roadworthy. What does the policy provide?

No cover until full repairs are completed

Emergency repairs may be covered up to $1,000

Only towing is covered

Repairs are only covered once the motorhome is returned home

Motor Burnout

A customer's built-in microwave suddenly stops working due to an internal electrical fault, with no external damage. How does the policy respond?

No – this would not be covered, as it is considered a mechanical breakdown

Yes – this would be covered under contents, up to $5,000

Yes – this would be covered under motor burnout cover, up to $2,000

Yes – this would only be covered if the damage was caused by an accident

Returning Home Expenses

A customer is travelling more than 100km from home when their motorhome breaks down and they are unable to continue their journey. What cover applies?

No cover

Returning home expenses may be covered up to $5,000

Only accommodation is covered

Only towing is covered

Permanent Street Parking – Location Requirement

A customer permanently street parks their motorhome outside their home. However, due to limited space, it is parked on the opposite side of the street. How does the policy respond?

Cover applies as long as the motorhome is close to the home

Cover applies because it is permanently street parked

Cover does not apply because the motorhome is not parked on the same side of the street as the insured's residence

Cover applies if the motorhome is securely locked

Please provide the following mandatory information to enable us to register completion of your training.

Full Name

Direct Email Address (NB - 'This can not be a shared email address')

Date of Birth

Residential Address

Full Name of Dealership

State