What happens to my no claim discount if I have to make a claim?

Published 18/03/2016 10.13 AM   |    Updated 31/07/2018 11.39 AM

It all depends on what you're claiming on your car insurance for.

For example, if you were involved in a car accident and it was your fault, you may lose all of the NCD you've built up over years of safe driving. We'll reduce your NCD in line with our step back rules which can be found in your car insurance policy document, unless you have protected your NCD.

If you are involved in an accident that wasn't your fault and we are able to recover the cost of paying out to you from the liable driver's insurer, your NCD will not be affected.

There are some cases where a claim won't affect your NCD. For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.

With our multi car policy, each car earns its own NCD so if you make a claim on one car, it won't affect the NCD on the other car(s) on the policy.

If you're eligible and choose to pay an extra premium, we can protect your NCD. That way, your discount won't be reduced even if you have to make a number of claims on your policy.

To protect your NCD, give us a call on 0800 633 5211

 Lines are open:

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls will be recorded. For Text Phone: dial 18001 first.


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