[Selanne_200]

It depends on what level you were on before. For example, I got caught in the snow a few yrs ago and I had to make a claim, I was at 30% but after the claim I went up 3 levels so went to a 15% for 3 years but this year I go back to 30% which is where I was at before. I think he was trying to say if you were at 0%discount and you make a claim, you go to a surcharge of +20% or something, you go back to 0