There are 3 possible scenarios on what would happen to your renewed policy.
(Non-fault claims) If you are involved in an accident, where you were informed not to be at fault, we will not penalise you and your NCD will not be affected.
(At-fault claims) If you are involved in an accident where you are at fault, your NCD will be affected and subsequently, your renewal is also affected. Additional premium will apply for the cover to continue for the renewed year.
(Liability status not confirmed) If you are involved in an accident where the liability is not confirmed, additional premium may apply for the cover to continue for the renewed year. When the liability status is confirmed, and you are informed not to be at fault, we will refund any additional premium paid.