When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of four years NCD. You must also have had no more than one fault claim in a three year period to be eligible.
Your NCD level will then be maintained in the event of a claim. Without NCD protection, claims where we are unable to make a full recovery from a third party will reduce your NCD.
NCD protection does not protect your premium and you may have to pay a higher premium and excess from your next renewal if any claims are made. Your NCD will not increase in any years in which you have a claim. You should check the Policy Summary Booklet for further details on how your NCD may be affected by multiple claims.