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Low claim benefit

Keep your claims low and reap the benefits

In a nutshell

If you keep your claims low for a year, you qualify for a benefit. To keep it simple, we’ve called it your ‘Low claim benefit’ and it’s an industry-first!

Low claim benefit cover

Buy the best cover in town, when you join our royal family

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.

Claims ratio

  • 0% – 20%
  • 21% – 40%
  • 41% - 50%
  • 50+%

Low claim benefit

  • 15% of the total premium you’ve paid over the past year
  • 10% of the total premium you’ve paid over the past year
  • 5% of the total premium you’ve paid over the past year
  • No benefit