It's a way of keeping your No claim discount (NCD) even when you have to make a claim on your policy.
You’ll be eligible to add on Protected NCD if you meet the following criteria:
Please see our NCD table below for further information:
|
Cover |
Number of claims |
What will happen to my No claim discount? |
|
Protected NCD – three years |
One claim during any period of insurance |
It will remain at three years but protection against further claims will be lost |
|
Two claims during any period of insurance |
It will be reduced by two years and the protection will be lost |
|
|
Three or more claims during any period of insurance |
You’ll lose all of your No claim discount along with the protection |
|
|
Protected NCD – four years |
One claim during any three-year period |
It will remain at four years and will still remain protected |
|
Two claims during any three-year period |
It will remain at four years and protection against further claims will be lost |
|
|
Three claims during any three-year period |
It will be reduced by two years and protection will be lost |
|
|
More than three claims made during any three-year period |
You’ll lose all your No claim discount along with the protection |
|
|
Protected NCD – five or more years |
One claim during any three-year period |
It will remain at five or more years and will still remain protected |
|
Two claims during any three-year period |
It will remain at five years or more and protection against further claims will be lost |
|
|
Three claims during any three-year period |
It will be reduced to three years and protection against further claims will be lost |
|
|
Four or more claims made during any three-year period |
You will lose all your No claim discount along with the protection |
For further information please see our Motor Insurance Policy document.