If you don’t make any claims in the first year and beyond, you will be entitled to a reduction in your excess fee as set out below: • If you don’t make a claim in the first year, you will be entitled to a discount of 25% off the excess fee if you subsequently make a claim. • If you don’t make a claim in the first two years, you will be entitled to a discount of 50% off the excess fee if you subsequently make a claim. • If you don’t make a claim in the first three years, you will be entitled to a discount of 75% off the excess fee if you subsequently make a claim. • If you don’t make a claim in the first four years, your excess fee will be entirely waived if you subsequently make a claim. • This offer is still valid even if you replace the gadget you have on cover with a different one.