The question

What's protected no claims discount?

The answer

It's a way of keeping your no claim discount (NCD) even when you have to make a claim on your policy.

If you have 3 or more years NCD we may be able to offer you protected NCD depending upon your previous claims history.

If you have 3 years No Claim Discount (NCD) we may be able offer you the option to protect it. 3 years Protected NCD enables you to make one at fault claim before your no claim discount is affected.

If you have 4 or more years NCD, we may be able offer you the option to protect it. 4 years or more protected NCD enables you to make up to two at fault claims in any three year period before you lose your protection.

Certain types of claims won't affect your no claims discount at all:

  • Emergency medical treatment
  • Glass repair or replacement

Please see our NCD table below for further information:

Cover # of claims What will happen to my no claims discount?
Protected NCD - 3 years One claim during any period of insurance Your no claim discount will remain at 3 years but protection against further claims will be lost
Two claims during any period of insurance Your no claim discount will be reduced by 2 years and the protection will be lost
Three or more claims during any period of insurance You will lose all your no claim discount along with the protection
Protected NCD - 4 years One claim during any three year period Your no claim discount will remain at 4 years and will still remain protected
Two claims during any three year period Your no claim discount will remain at 4 years and protection against further claims will be lost
Three claims during any three year period Your no claim discount will be reduced by 2 years and protection will be lost
Three or more claims made during any three year period You will lose all your no claim discount along with the protection
Protected NCD - 5 years One claim during any three year period Your no claim discount will remain at 5 years or more years and will still remain protected
Two claims during any three year period Your no claim discount will remain at 5 years or more and protection against further claims will be lost
Three claims during any three year period Your no claim discount will be reduced to 3 years and protection against further claims will be lost
Four claims made during any three year period You will lose all your no claim discount along with the protection
More than four claims made during any three year period You will lose all your no claim discount

For further information please see our Car Insurance Policy document.





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