CTP Insurance policy it attaches to remains in force. CTP insurance is administered by. Scroll down to Insured drivers and select Edit. NRMA; AAMI. Renew now. Pay for your policy. For auto complete:Insurance and CTP Green Slips 13 21 32. NRMA Insurance is part of the Insurance Australia Group. NRMA paid her $10,000 for a broken pelvis, not up tp $300,000 as advertised for serious injury, with the NRMA CTP Green slip, "compulsory choice". If you currently have CTP (Compulsory Third Party) insurance with RACQ: You will remain insured until the next expiry date of your registration. The following evidence-based indicators measure insurer. Save on your first year of roadside assistance with NRMA*. Service NSW on 13 77 88. Email us. 8 out of 5 stars from 1,403 genuine reviews on Australia's largest opinion site ProductReview. 00am and 5. The product information on this page only applies to Travel Insurance issued to residents of NSW, QLD, ACT or TAS. Find out more about how to cancel your CTP Green Slip and get a refund here. Eligible Recipients (as defined in paragraph 4 below) agree to be bound by these conditions. Includes help with flat batteries, lockouts, diagnosis and minor repairs. Make, change or cancel an emissions testing booking. Five of these insurers – RACQI excepted – also underwrite CTP insurance in NSW, and one insurer, NRMA is the sole underwriter in the ACT. When making decisions about our insurance, consider the Product Disclosure Statement and Target Market Determinations . your renewal notice from AAMI. CTP covers the cost of compensation claims of injury to others. For general NRMA insurance and CTP inquiries, call 13 21 32. 01. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). NRMA Insurance: Phone: 132 132: Site: NRMA Insurance: Phone hours: 7am to 10pm, 7 days: In person: 220 branches – not all accept cash. Call us on 13 11 60. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Fact checked. Online and over the phone credit card payments will trigger an electronic NSW CTP Green Slip to Transport for New South Wales (TfNSW) within 1 hour. Apply. We couldn't find a match for the entered addressIn this report, SIRA compares six key indicators of customer experience across the five CTP insurers in NSW: AAMI, Allianz, GIO, NRMA and QBE. Paying in instalments can make payments more manageable, but you can often get a cheaper rate for paying 12 months at a time. The NRMA Insurance Loyalty Discount offers between 5% and 25% off eligible insurance policies † depending on your entire Policy Count and Years of Relationship. This year the NRMA quote for CTP is more than $230 more than GIO/QBE and AAMI. Fax: (02) 9375 4583. 67 per month. The CTP Insurer, SGIC, became NRMA Insurance in South Australia on 1 July 2022. If you’re in NSW, you can use PayPal to renew your CTP, Motor and Home policies and purchase new CTP, Motor and Home policies. CTP Assist is run by the State Insurance. CTP Driver Protection Cover is provided for as long as the NRMA . * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Vehicle type – an important factor in determining green slip prices. Primary producer policies. If you or anyone driving your car injures someone in an accident, your Green Slip covers the cost of their compensation claim. I don't think you can actually purchase an "at fault" policy. We're available 24 hours a day, 7 days a week. 99 a month. On 1 December 2020, Youi became the sixth CTP insurer in NSW. Cover is different for Comprehensive Plus and Comprehensive Basics. Get the Ctp cancellation form nrma accomplished. The at-fault NRMA driver for specific injuries. Cover for your car if it’s stolen, vandalised, or damaged by. Member offer. The Green Slip Check is a quick and easy way to get a CTP Green Slip quote comparison from all insurers for the most common vehicle types and circumstances. CTP insurance doesn’t cover damage to your vehicle, other vehicles, or property. What to do if. Whether you are looking for car insurance, home insurance, or CTP insurance, NRMA Insurance has a solution that is tailored to your individual needs. Call us on 1800 032 220 to start your CTP Green Slip injury claim. Save 10% on car servicing across NSW and ACT. Licensed family foster home report of reading dccca monthly dccca form; Bridesmaid order form marahamp39s elegant bridal; Gecombineerde vergunning voor verblijf en arbeid gvva 370 form; 2020 census questionnaire form; Cmr pdf download form; Formulaire ca3; Nafcc accreditation forms; 716 111 d v21 arbeitswiss form From 1 March 2021 the Personal Injury Commission manages CTP / workers compensation disputes. If you a re injured in the road, this information can help you know what to expect from the insurer managing your claim. Photo: Supplied . Like Comprehensive Car Insurance, we cover your car for incidents like storms, theft and accident damage. Member offer. Get a NRMA Comprehensiveness Plus Car Property quote online today. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). However, CTP premiums are not Government fees or. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Policy booklets. Purchasing CTP. Coverage includes other drivers, passengers, pedestrians, cyclists and motorcycle. Each covers different things. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. NRMA Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA. NRMA Insurance is part of the Insurance Australia Group. NRMA Insurance is part of the Insurance Australia Group. Instead, some of our car insurance in NSW can cover your motorhome. You can contact an insurer to buy a Green Slip or to get a quote for one. Aug 3, 2021. In addition, with us, all of the information you include in the Ctp Cancellation Form Nrma is well-protected against leakage or damage with the help of top-notch encryption. If the Vehicle is sold, the CTP Insurance policy and Driver Protection Cover will transfer to the new registered owner of the Vehicle. Business. Liam Walsh Reporter. Plus save up to 25% on NRMA Comprehensive Car Insurance depending on your. Get a quote Tell me more. The insurer may pay for all reasonable and necessary expenses for injury resulting from the accident. A sixth insurer, Youi, joined the scheme from 1 December 2020. What you need. If you’re an NRMA Member, you can request roadside assistance by using the my nrma app or give us a call and we’ll diagnose it, jump-start it if possible or if needed, replace the. Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number. Call Us. Share your form with others. The audit commenced in June 2022 as the scheduled first quarter activity in the Insurer Conduct and Claims. membership (roadside assistance and My NRMA benefits) from your computer, smartphone or tablet. in NSW, QLD, ACT, TAS, SA, WA and the NT and in NSW, QLD, ACT, SA and WA. Loss of earnings from your relative, from their injury until their death. All CTP is regulated and set by the state government. We can help with a range of CTP Green Slip services in a branch, including: Getting a new policy. Renew your Car Insurance Pay for a new policy Manage your monthly payments and more online. You know what features. And, personally make a. Leanne Shanahan didn't know what to expect when she sat down with NRMA on the day her daughter's CTP green. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). * National Roads and Motorists. Old CTP price. CTP insurance is a mandatory requirement for all motorists in Queensland. Previously licensed CTP insurers Insurance Australia Limited (trading as NRMA Insurance) ABN 11 000 016 722 Licence withdrawn 1 January 2014. From 1 July 2022, NRMA Insurance will replace SGIC for new and renewing CTP policies. 3 (41) NRMA Car Insurance - Comprehensive Plus 1. CTP insurance is mandatory in Australia. To provide CTP insurance in South Australia, insurers need to apply to the CTP Regulator and be approved by the Minister. To lodge a claim or organise towing after an accident, call 1300 546 125. Get a quote today. With Third Party Fire & Theft Car Insurance, we cover your car if it's stolen or catches fire (up to a market value of $10,000). Car reviews. Cover is different for Comprehensive Plus and Comprehensive Basics. On 29 November 2022, SIRA issued a show cause notice to NRMA Insurance, requesting a response to the investigation findings. When the claim is submitted, we'll need to speak to the injured person directly. Now if you fail to transfer interstate rego within 14 days you pay a $90 fine – but given that ACT rego is so damn expensive ($970 for this car, compared to about $470 in NSW. Six green slip providers NSW are licensed to sell CTP insurance: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. au. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. New to My NRMA? Register now. From 1 July 2022, NRMA Insurance will replace SGIC for new and renewing CTP policies. Millions of Aussies count on NRMA* roadside assistance for help with breakdowns, flat tyres, batteries and empty fuel tanks. At your local branch. Things you should know: Speak to your Car and CTP Insurance providers about any policy limits and exclusions that may apply. Visit your local NRMA branch. The CTP Regulator acknowledges Aboriginal people as the state’s first peoples, nations and Traditional Owners of South Australian land and waters. Your ‘Green Slip’, otherwise known as Compulsory Third Party Insurance (CTP), is a type of insurance you are required by law to have in all Australian states in order to register your vehicle. Wheel and tyre changes at no cost – provided the vehicle has a suitable jack, tools and spare. au: In person: 220 branches: CTP extras: CTP Driver Protection, Loyalty Discount: Insurer code: 34: QBE. AAMI is one of the most popular car insurance brands in Australia, while NRMA has a strong reputation in NSW, ACT, QLD, and TAS where it operates. When making decisions about our insurance, consider the. CTP - SA Online. CTP Insurance. It provides coverage for personal injury caused to other. When making decisions about our insurance, consider the. The average premium for Sydney taxi. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. 82/L with a 40L fuel tank. Browse breathtaking travel. Individual insurers have a bit of wiggle room, but it's just bullshit. Just answer some basic questions and we'll do the rest. Total savings. 20% off tinting, surface protection and more. Request roadside assistance. Not an NRMA customer and need a hire car? Find help now. To login, enter the details below. Can renew at Post Office. Plus, all entrants will go in the draw to win signed memorabilia worth up to $3,750. Cover for your car if it’s stolen, vandalised, or damaged by. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Now, as I understand it (never having bought a car interstate before) when you transfer rego to the ACT you can apply to the NSW RTA for a refund of the unused NSW rego. au for more information. 60 (plus GST). Am I eligible for a 3 month NSW CTP Green Slip? To be eligible for a 3 month policy, your vehicle must have: a gross vehicle mass (GVM) greater than 4. Owned by listed company Insurance Australia Group (IAG), NRMA began a television advertising campaign on SA screens last night, announcing that SGIC compulsory third party insurance will become NRMA CTP from July 1. "The product offered by NRMA Insurance is focused on offering a benefit to a larger number of drivers, rather than offering a larger benefit to a smaller number of drivers. What changes can I make to my policies using my online account? What's a cover note and do you offer them? Where's my closest branch and what are the opening hours? Cover is subject to standard underwriting guidelines and policy terms. NRMA Insurance is part of the Insurance Australia Group. CTP Insurers are approved by the government to provide CTP insurance. However, NRMA will continue to be responsible for the management of all existing Queensland CTP claims and new claims from policies sold before 1 January 2014. You have the freedom to choose one of the CTP Insurers that best meets your personal needs, each time your registration renewal is due. Learn moreComprehensive Scooter. 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. Limits apply. Customer service received was very professional and helpful with all my needs. If they need assistance, someone else can help by filling in the appropriate forms to start their claim. The specific details and. I need to change my name or title? You can update your name or title online. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Date of birth. NRMA Insurance is part of the Insurance Australia Group. 9am to 5pm. Keep your membership card handy. To assess the value, we use local market prices and. com. Once completed you'll be given a receipt number for as a reference. Generally, vehicles more than five years old are required by the RMS to pass an eSafety check – also referred to as a pink slip, or rego check – before you can renew your registration. SIRA’s investigation found the delays in each of the nine cases contravened section 1. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). If you have an enquiry about applying for a CTP refund, contact. Where your vehicle is garaged. Business insurance. The Independent Review Office manages complaints about insurers. Toggle Accordion. In most states it’s included in your registration, however in NSW, drivers are required to have a policy in place. NRMA’s contact details are: Save time and manage your cover online. Gordian RunOff Limited has appointed Enstar Australia Limited to be their claims manager. CTP premiums are subject to government regulation to ensure that the interests of the community are protected; that premiums are no higher than they need to be to properly compensate persons injured in motor vehicle accidents; and that the viability of the CTP scheme is maintained. You can quickly get a quote online or call our Australian-based call centre. If you need an interpreter or translator when attending medical examinations or assessments, the CTP Insurer will arrange this for you. Get peace of mind on the road with unlimited roadside assistance – no matter where you are. If you need (or think you'll need) more than two treatment sessions, it's important to submit a claim for personal injury benefits. Get a quote online for cars in NSW, QLD, TAS, ACT, WA, SA, and NT. Up to 15% off washing and detailing services. We're. NRMA offers this extra cover to differentiate its green slips. It generally covers the liability of you, or anyone who drives your vehicle with your permission, for injury caused to passengers and other road users in an at-fault motor accident. * National Roads and Motorists. Fact checked. The NRMA CTP (Compulsory Third Party) Insurance is a type of car insurance required by law in Australia. Edit your nrma ctp cancellation form online. NRMA Insurance covers your medical expenses, lost income and other people's injuries from an accident. Complete our CTP cancellation form and email it to us at ctpaccountspayable@iag. Driver Protection Cover. Prepare nrma refund ctp effortlessly on any device. Must-have car insurance. With 9 out of 10 problems fixed on the spot and towing options direct to your mechanic, NRMA* will keep you moving. Works with just a CTP with NRMA. . Pets Plus: $3. Application for personal injury benefits. NRMA Helpline (expert advice and emergency assistance for NRMA Insurance policy holders) 13 29 00. “NRMA” provides Membership, the “my nrma app” and other services. NRMA Insurance launched in South Australia in November 2021. So if your vehicle is involved in an accident, your CTP policy can help with things like medical costs for the people injured because of the accident. Comprehensive Comprehensive car insurance from NRMA Insurance^ protects your car for accident damage, theft, severe weather, and more. Business address is Darling Park Tower 2, 201. If you want to update the address of your contents or your mailing address, you can do this by: Logging in to your account. For example, 11% of $100 = $11 and. NRMA Insurance web chat Click here. CTP insurance is administered by the. We also provide an easy renewal process. For example, a comprehensive car insurance policy covers repairs to your car for damage caused by things like collision, fire, theft and weather. Business address is. **A CTP Green Slip counts towards your NRMA Insurance Loyalty Discount Policy Count, but you don't receive an NRMA Insurance Loyalty Discount on the cost of your CTP Green Slip. Get a Motorhome Insurance quote. Jun 28, 2023 – 1. (50 years+ membership - from 25 March 2023) Discounted price for My NRMA membership with roadside assistance packages covering up to two vehicles. We’re always here to help. Roadside Assistance. For vehicles insured in NSW, QLD, TAS or the ACT: An additional excess (known as an age excess) applies if a driver is under 25 years of age. The at-fault NRMA driver for specific injuries. Five insurance groups now hold green slip licences: QBE, NRMA Insurance, Suncorp, RMIH and Allianz: Suncorp owns GIO and AAMI. Am I eligible for a 3 month NSW CTP Green Slip? To be eligible for a 3 month policy, your vehicle must have: a gross vehicle mass (GVM) greater than 4. If your vehicle becomes unregistered, you may be able to ask your CTP insurer for a partial CTP refund. Policyholders receive loyalty discounts for purchasing other NRMA products as well as receive the standard CTP benefits. ndh. For more on how you can keep protected behind the wheel, call us on 13 21 32 or get a quick car insurance quote online. NRMA, GIO, AAMI or APIA), you have 9 months from the day of the motor vehicle accident or from the time your injury. Instead, some of our car insurance in NSW can cover your motorhome. in NSW, QLD, ACT, TAS, SA, WA and the NT and in NSW, QLD, ACT, SA and WA. Once a significant number of claims are received by Youi, it will then also be included in this report. This article was originally published in December 2019 and has been updated. If your payment details haven't transferred successfully and you don't have a copy of your CTP Green Slip or a CTP policy receipt, Service NSW won't be able to process your registration. Phone: 13 50 50: Hours: 8am to 8pm Mon to Fri. If you just need to pay your renewal, you can do so online in a few moments. If this happens: Depending on your policy, we'll either replace your car to agreed or market value, or we'll pay you your car's agreed or market value minus any excess, on-road costs 1 (like unused registration and CTP Insurance), input tax credit and unpaid premiums. Business. In aggregate Queensland’s six CTP insurers collect around $875 million in Queensland CTP premium per year. Monitoring: 132 553. 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 address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Scroll down to the Cancel policy section and select Request cancellation. The following evidence-based indicators measure insurer performance over the course of a claim journey: the number of statutory benefits claims accepted by insurers. For instance, choosing an inexpensive car, installing a car alarm, immobiliser or tracking device, avoiding performance enhancing modifications, or taking a safer driver course. NRMA Insurance is part of the Insurance Australia Group. Calling us on 132 132. “NRMA” provides Membership, the “my nrma app” and other services. You will get the cheapest price available for your vehicle. Who you go with has a minimal impact, and insurers will price themselves in and out of segments where they are over or under-represented on a yearly basis. To cancel any other policy, contact us. Get a Single Use Code via SMSNRMA is the official national volunteer partner for GIVIT. New and existing policies: 132 553 (9am–5pm, Mon–Fri) Travel Insurance. Call us on 131 123 to start your car insurance claim. We cover modifications to your car (like hoists, hand controls and wheelchair ramps). Automated Insurance Payments (Visa and MasterCard) 13 11 44. In an accident, your CTP with NRMA Insurance will cover you in the same way as SGIC. Renewing your policy. We pay our. Get a quote online, pay online, make a claim or find out how to win a trip to the Whitsundays. *. Veteran, Vintage and Classic Car Insurance. Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance nrma. Just answer some basic questions and we'll do the rest. If you'd like more information on making a CTP claim, we've made videos to help. Get a Motorhome Insurance quote. When the claim is submitted, we'll need to speak to the injured person directly. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Learn more 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. Download the My NRMA app. NRMA Insurance is part of the Insurance Australia Group. 5 tonnes GVM, but not for trucks over 4. 1800 634 686. benefits that come with membership. In this report, SIRA compares seven key indicators of customer experience across the five CTP insurers in NSW: AAMI, Allianz, GIO, NRMA and QBE. “NRMA” provides Membership, the “my nrma app” and other services. Call us on 132 132 to include accessibility modifications in your quote. When choosing your insurer, you can consider additional benefits and incentives that may be offered by some insurers. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and. Compulsory Third Party (CTP) insurance, also known as a Green Slip, is mandatory. We’ll also need to know about your driving history and some other information like your claims history. Workers compensation fraudster convicted. Budget Greenslips were just made life really easy for us. Check out car insurance in your state. 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. If your vehicle becomes unregistered, you may be able to ask your CTP insurer for a partial CTP refund. For full details including limits, conditions and exclusions, read the policy document. “NRMA” provides Membership, the “my nrma app” and other services. . issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. You may be eligible to claim for: A percentage of any income you've lost (if time off work is required to recover) Reasonable treatment. 7. SIRA has issued a letter of censure to CTP insurer NRMA Insurance following an investigation into the incorrect calculation of weekly benefits to over 2,000 customers. 1121. You can buy compulsory third party (CTP) insurance from any of Queensland’s licensed CTP insurers or when you register your vehicle through the Department of Transport and Main Roads (DTMR). 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. Check vehicles eligible for motor vehicle tax concession. NRMA Survey reveals NSW's worst roads for 2023. You can contact Gordian RunOff Limited on (02) 8062 4255 or via email ctp. Key Facts Sheets (KFS) The KFS has quick information about a policy, including events we cover and some conditions. 10/31/22. Six insurers underwrite the third party scheme: AAMI, Allianz, GIO, NRMA Insurance, QBE and Youi. IIP Retrieve - NRMAWhen you buy your greenslip, you must usually advise the age of the youngest driver of your vehicle. You can choose to contact us online by visiting the NRMA website and searching for ‘refunds’ to provide your bank details on our dedicated refunds page. NRMA Insurance is part of the Insurance Australia Group. Pay and renew your NRMA Membership with Visa, Mastercard or PayPal, stay covered on the road and keep moving. To make a claim for an accident that happened before 1 February 2020, call us on 1800 032 220. 02. been registered by a. benefits that come with membership. au. Start and track your claims, get a new quote or retrieve saved quotes, update your details and make payments on the go. This form should be provided to the CTP insurer after the first treatment on a claim (other than early intervention treatments). NRMA Insurance provides an additional benefit on top of its CTP green slips, where it offers compensation for specific injuries sustained by the at-fault driver in a road accident. Save up to 25% depending on your entire Policy Count (including Roadside Assistance) and Years of Relationship. Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year. You can pay for your CTP Green Slip: Online By calling us on 131 144 At your local branch By post (complete the payment slip on your policy certificate and send it to NRMA Insurance, Reply Paid 9871, Sydney NSW 2000) Renewal payments. NRMA Insurance acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of land and waterways in which we live and work. you have an at-fault motor vehicle accident when driving your vehicle and you suffer a specified injury or die as a Aug 3, 2021. Please call us on 1800 032 220 and we'll guide you through the process. of Table 1. NRMA comes out on top for this one, offering up to Yes - $800 towards emergency repairs compared to Allianz's Yes - $500 benefit. Driver exclusions We will not cover You if at the time of the accident You:Get a NRMA Car Insurance quote online today. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). “NRMA” provides Membership, the “my nrma app” and other services. Allianz, RACQI, AAMI, QBE and NRMA. Unlimited callouts, up to 100km towing, find the best cover for you. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). AAMI, Allianz, NRMA, QBE and Youi have each been through this process, and been approved. Winner of Canstar's 2022 - 2023 Most Satisfied Customers - Roadside Assistance Award. NSW. NRMA Insurance is part of the Insurance Australia Group. Nov 23, 2023 6:51 am. This is covered by comprehensive car insurance. Assistance for all trailers attached to your vehicle – from single to tri axle. Online quoting and claiming facilities are also available. Which Vehicles are covered? CTP Driver Protection Cover applies to the Vehicle We insure . If an NRMA CTP insured vehicle caused the accident, the person injured will need to make a claim themselves.