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Low claim benefit

Keep your claims low and reap the benefits

Here’s how it works

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 offset claims costs and excess amounts in the coming year.

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 Low claim benefit
0% – 20% 15% of the total premium you’ve paid over the past year
21% – 40% 10% of the total premium you’ve paid over the past year
41% - 50% 5% of the total premium you’ve paid over the past year
50+% No benefit