Low claim benefit

At the end of every year of insurance with us, we’ll check your claims ratio for the year and, if it’s good, we’ll make a benefit available to you, which you can use to:

• Reduce your premium amounts in the coming year.
• Offset claims costs and excess amounts in the coming year.
• You can also split your low claim benefit in order to do both. Your choice, our pleasure.

Your claims ratio is the total of your claims over the past year, as a percentage of the total premium you’ve paid over the past year.