Very rarely does a TV advert catch my imagination but one from Real Insurance slipped under the radar of complacency and pricked my ears to attention.They were offering....wait for it....a cash bonus paid back to you if you didn't claim.

The whole deal can be found at Real Insurance's website. Apparently, if you don't claim for 3 years you become entitled to receive 10% of your premiums paid back to you. What a great concept?

Sure, insurers have been offering discounts for yearsbut I've never seen them pay cash back to the customer. My only question is do they still charge the same premium's over that period or do lack of claims also reduce the risk thereby reducing the premium amount?