Instead, the Australian Securities and Investments Commission has agreed to IAG refunding $1.1 million to more than 27,000 NRMA insurance customers. IAG will pay a further $5.7 million to emergency services organisations including the NSW Rural Fire Service, St John's Ambulance, SES and National Parks & Wildlife Service. Tracy Green, IAG executive general manager for customer and underwriting, said the ESL funds an essential community service but the collection process is "complicated and difficult to administer".