How does protecting my No Claims Discount work?

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

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

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%

Convicted driver

Number of years of NCD	Average NCD
1 year's NCD	27%
2 years’ NCD	38%
3 years’ NCD	45%
4 years’ NCD	49%
5 years’ NCD	52%
6 years’ NCD	53%
7 years’ NCD	53%
8 years’ NCD	54%
9 years’ or more NCD	54%

Van driver

Number of years of NCD	Average NCD
1 year's NCD	30%
2 years’ NCD	40%
3 years’ NCD	45%
4 years’ NCD	48%
5 years’ or more NCD	50%

Pay-per-mile

Number of years of NCD	Average NCD
1 year’s NCD	38%
2 years’ NCD	47%
3 years’ NCD	53%
4 years’ NCD	56%
5 years’ NCD	59%
6 years' NCD	60%
7 years' NCD	60%
8 years' NCD	61%
9 years' or more NCD	61%

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

Find out more about No Claims Discounts

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.