Our Approach

We have a radical approach to private motor insurance – be transparent and fair. We believe:

• The No Claims Bonus system is unfair. It’s backward looking, and not a reliable way to judge future events or risks
• Past claims shouldn’t have any effect on your insurance costs
• It is unlikely that you will make a claim. About 1 in 20 drivers make a claim, so why penalise everyone?
• Even if you make a claim, it is unfair for your premium to go through the roof

By replacing the No Claims Bonus system with a higher excess solution, we share the risk with you. As a result, we can offer real savings for drivers paying high premiums. This means everyone can start with a clean slate, and premiums never rise. Guaranteed.*

* Premiums will only rise if market prices rise.