diff --git a/Be-Careful-With-Your-No-Claims-Bonus.md b/Be-Careful-With-Your-No-Claims-Bonus.md
new file mode 100644
index 0000000..d21a680
--- /dev/null
+++ b/Be-Careful-With-Your-No-Claims-Bonus.md
@@ -0,0 +1 @@
+[monthlyreview.org](https://monthlyreview.org/2009/05/01/capitalism-in-wonderland/)If they say you've no NCD (this wouldn't be right anyway as you usually solely lose 2 years NCD in the occasion of a declare) explain the situation and see if there's something they can do to place it right. UK-based mostly claims line
\ No newline at end of file