What happens to my No Claims Discount (NCD) if I need to make a claim?
The effect a claim will have on your No Claims Discount (NCD) depends on the type of claim you’re making and whether you’ve opted to protect it.
Non-fault claims
If you have a non-fault claim where recovery can be made, or funds can be paid for repair work; it is unlikely to affect your NCD.
Fault claims
If you have a fault claim or non-fault claim where recovery can't be made, your NCD will be reduced.
This is how your NCD could be reduced:
- if you have 5 or more years NCD this will be reduced to 3 years
- if you have less than 5 years your NCD will be reduced by 2 years.
If you have chosen to protect your NCD, you can make 2 claims during a 3 year period without affecting it. However, any further claims will reduce your NCD.
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