Online banking

Online banking

Showing results for 
Search instead for 
Did you mean: 

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 consecutive years of claim free driving.


Your NCD level will be maintained in the event of a claim. The price of this optional benefit will be included in your premium.


Without NCD protection claims where we are unable to make a full recovery from a third party will reduce your NCD. You should check the Policy Summary Booklet for further details on how your NCD may be affected by claims and how NCD protection will work in the event of multiple claims and/or future policy years.

Version History
Revision #
2 of 2
Last update:
‎10-08-2016 11:29 AM
Updated by:

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 :-)