Protected No claim discount (NCD) is an additional cover option to ensure you don't lose your NCD entitlement after a claim.
You'll be eligible to add on Protected NCD if you meet the following criteria:
Please see the below table to see how your NCD would be affected in the event of a claim:
| Cover Purchased | Number of claims | New No claim discount (NCD) entitlement |
| Protected No claim discount on 3 years | One claim made during any period of insurance | 3 years NCD, protection lost |
| Two claims made during any period of insurance | 1 years NCD, protection lost | |
| Three or more claims made during any period of insurance | 0 years NCD | |
| Protected No claim discount on 4 years* | One claim made during any three year period | 4 years NCD, protected |
| Two claims made during any three year period | 4 years NCD, protection lost | |
| Three claims made during any three year period | 2 years NCD, protection lost | |
| More than three claims made during any three year period | 0 years NCD | |
| Protected No claim discount on 5 years or more* | One claim made during any three year period | 5 years or more NCD, protected |
| Two claims made during any three year period | 5 years or more NCD, protection lost | |
| Three claims made during any three year period | 3 years NCD, protection lost | |
| Four claims made during any three year period | 0 years NCD, protection lost | |
| More than four claims made during any three year period | 0 years NCD |
*We will take into account any claim(s) with any previous insurer during a two year period prior to taking out this policy.
Please note that your renewal premium may still increase as a result of claims and other factors, even if your NCD is protected.