Is it worth protecting my no claims discount on my car insurance?

If no claim has been made against this policy during your period of insurance, the insurer will give you a discount according to the current scale at the time of renewal of this policy: this is referred to as a no claims discount or a no claims bonus. You can build up your NCD over time if you don’t make a claim on your insurance policy – the more claim free years you have, the better the discount on your insurance you’re likely to receive.

When taking out your insurance, you may have the option of protecting your NCD. This allows you to make a certain amount of claims without affecting your NCD – the number of claims you can make varies between insurers, so make sure to check this in your policy wording.

It’s worth noting having NCD protection doesn’t protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

Please note that the following will not affect your no-claims discount even if you don’t have protection:

  • If you only claim for a broken windscreen or windows.
  • If the insurer only has to pay an emergency medical treatment fee.


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