How does a car insurance claim affect my no claims discount?

If the insurer makes a payment in respect of a claim that they cannot recover from a third party, they will reduce your NCD even if you weren’t to blame. Your NCD will be reduced in accordance with the insurer scale applicable at such a time as shown on your schedule.

Your NCD will not be affected in the following circumstances:

  • 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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