NRMA nocked my cousin back on the exact same claim, saying that the fuel sample given showed algae.....BUT no water so the problem was from lack of service.....
As he did most servicing on his own, he never had a full service history..... so NOT COVERED, and he got the $6500 bill.
So we both use fuel doctor and pre filters now.
I guess if you want any hope of it being covered you need
1) a full service history
2) a fuel sample and apparently it must have water in it not just muck and algae.....
3) proof of where the fuel was bought
And from what happened with my cousin, if you miss one of those bbbzzzzz NOT COVERED
He had fuel receipts, sample, mechanic's report but still got shafted
Im with NRMA so i hope i dont have to test them on it.......... but i might be a little more prepared now.