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Standard Car Insurance

How does protected No Claims Discount work?

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 Booklet for further details on how your NCD may be affected by multiple claims.

This answer specifically relates to Tesco Bank Car Insurance.  For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.


I would like to know whether my policy has a protected no claim discount if not I would like to add.  


Jenny xxxxx




reg no xxxxxx


[Mod edit: Please do not share personal details as your posts are visible to the public. Thanks!]


Hi @Wildwood1, thanks for getting in touch. If you already have a policy with us and it doesn't have protected No Claims Discount, then we wouldn't be able to add this mid-term. It could be, however, that you already have it as part of your existing policy.


To check, call us on 0345 246 2895, available Mon - Fri: 8am - 9pm and Sat - Sun: 9am - 5pm, and our team will be able to check over your policy and let you know 🙂