Section H - No Claims Discount
In the event of a claim being made or arising under this policy,
your No Claims Discount at renewal will be reduced in accordance with
our declared scale:
|
No Claims Discount you have |
Discount reduced to |
|
1 year |
Nil years |
|
2 years |
Nil years |
|
3 years |
1 year |
|
4 or more years |
2 years |
|
5 or more years |
3 years |
If you make 2 or
more claims in a period
of insurance, at renewal your
No Claims Discount will be reduced to nil years.
The following will not reduce your
No Claims Discount:
- any payment made under Section D (Windscreen and Window Damage);
- any payment made under Section L (Breakdown Option);
- any payment made under Section M (Lost Car Key Cover Option);
- any payment made under Section N (Wrong Fuel Cover Option);
- any payment for emergency treatment fees under Section C (Liability to Other
People and Their Property);
- claims where you are not at fault,
provided we have got back all that
we have paid from those who are
responsible.
If you have chosen to protect
your No Claims Discount (PNCD) then, in the event
of one claim on your
policy in any
period of insurance
(up to a maximum of two claims in any consecutive three year
period of insurance),
your No Claims Discount will not be changed at
your next
policy renewal, after which
your No Claims Discount will be
reduced for each further claim in accordance with
our declared scale.
You should note any change in the level of
your
No Claims Discount is no guarantee that your
premium will not rise.
Your No Claims Discount is not transferable to
another person except in exceptional circumstances and with
our written agreement. Details are available
via My Swift Space.
If PNCD has been selected and we
become aware of a subsequent claim or accident after we
issue you
with a renewal invitation, we
will revise the renewal quote and will have the right to remove PNCD from your
policy.
Back