How No Claims Discount (NCD) works
If you don’t make a claim under your policy during the period of cover, when you renew the policy, you’ll get a discount included in the price you pay.
Average NCD you'll earn:
New driver
New driver
Number of years of NCD | Average NCD |
1 year's NCD | 31% |
2 years' NCD | 42% |
3 years' NCD | 47% |
4 years' NCD | 49% |
5 years' NCD | 50% |
Older driver
Older driver
Number of years of NCD | Average NCD |
1 year's NCD | 22% |
2 years’ NCD | 28% |
3 years’ NCD | 33% |
4 years’ NCD | 35% |
5 years’ NCD | 38% |
6 years’ NCD | 41% |
7 years’ NCD | 43% |
8 years’ NCD | 45% |
9 years’ or more NCD | 48% |
Important things to know:
There's a maximum number of years' No Claims Discount that you can earn
You can’t transfer your No Claims Discount to someone else or use it on more than one car at the same time
If you do make a non-recoverable claim (for example, a claim where we couldn’t recover the loss), your level of No Claims Discount will be reduced at your next renewal
Protecting your NCD
If you’re eligible, you can choose to pay an additional premium at the start or renewal of your policy, to protect or guarantee your No Claims Discount.
A protected No Claims Discount lets you make two claims before your entitlement is reduced.
Here’s how that works:
If you’ve chosen to protect your No Claims Discount, this will be shown on your policy schedule. Please note: this doesn’t guarantee your premium will remain the same.