No Claim Discount for Life*

When:

(a) you have reached a 65% No Claim Discount on your policy,

and

(b) you (or other drivers named on your policy) remain claim free for 1-year,

and

(c) you’re still claim free when the policy renews,

then you’ll qualify for our 65% Maximum No Claim Discount for Life*.

The discount starts after you have renewed the policy, once you’ve qualified. Once you have this 65% Maximum No Claim Discount for Life*, you retain it, even if you make a future claim. In addition, you’ll also qualify for 65% No Claim Discount for Life* on any other Car Comprehensive or Motorcycle Comprehensive policy that
we issue to you where a No Claim Discount applies.

To receive the 65% Maximum No Claim Discount for Life*, on your current policies:

(i) you must have paid your premium in full, or if you pay by monthly or fortnightly instalments, we need to have received your current instalment by the due date before you qualify, and

(ii) if there is another person(s) shown as ‘The Insured’ on a policy, together with you, this person(s) must also meet the criteria for 65% Maximum No Claim Discount
for Life*.

Even if you have 65% Maximum No Claim Discount for Life*, all future claims or incidents you or any drivers named on your policy have, may still affect the conditions of your insurance, including the calculation of your base premium** and your premium could still increase when your policy next renews.

If we cease to offer a No Claim Discount as part of our premium structure, our 65% Maximum No Claim Discount for Life will also change.

* “For Life” refers to the lifetime of your car insurance relationship with State.

** The base premium is the premium we calculate before we apply discounts such as the No Claim Discount or 65% Maximum No Claim Discount for Life and before we add any optional extensions you may have chosen. The base premium excludes Fire Service Levies and GST.