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Categories: My cover , Car insurance

What is Protected No Claim Discount?

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:

  • You have more than 3 years NCD
  • You've had no accidents or claims within the last 2 years.

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, protected
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.

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