It's very simple. If you have NCD protection we will not reduce your NCD in the event of you claiming under your policy.
For all policies starting with ROO-CAR:
We do offer No Claims Discount (NCD) Protection as an add on to our policies, however please make sure you meet these criteria:
You are older than 25 years old.
You have one claim or less in the last 5 years.
You have more +4 year's NCD to protect.
If you are eligible then you will be able to add it to your quote within the app. This protection will come as an extra premium.
For all policies starting with ROO-TEL:
We do offer No Claims Discount (NCD) Protection as an add on to our policies however you will have to pay an extra premium. You can protect 1+ year NCD.
How it works without NCD Protection:
If you make a claim with Rooster and you don't have NCD Protection then your NCD will become 0.
If you make a claim and you have more than 5 years NCD, and you don't have NCD Protection, your NCD will be reduced 3 years.
If you make a claim and you have less than 5 years NCD, and you don't have NCD Protection, your NCD will be reduced by 2 years.
E.g. 5 years NCD becomes 3 years NCD, and 4 years NCD becomes 2 years
Other things to note:
Allowance of 2 fault claims in 5 years rolling
Windscreen claims are exempt
UK claims only
NCD Protection doesn't protect the overall price of your insurance policy
If you need any further explanation please come on our Live Chat via the app or our website to speak to one of our friendly Customer Service Team.