What is No Claims Discount (NCD)?
A No Claims Discount (NCD), also called a No Claims Bonus (NCB), is a reward for claim-free driving. For each year you don’t make a claim, you earn one year of NCD. The more years you have, the bigger the discount on your premium.
What is NCD Protection?
NCD Protection is an optional add-on that keeps your discount intact after certain claims:
It allows up to two fault claims per year without losing your NCD.
Non-fault and windscreen claims don’t affect your NCD with or without protection.
If you make more than two fault claims in one policy year, your NCD may still be impacted even with protection
Note: NCD Protection does not stop your premium from increasing. It only protects the discount level.