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Car Insurance No-Claims Discount Protection Guide
Understand how no-claims discount protection affects your car insurance renewal and why the discount percentage is different from your overall premium.
Compare your renewal or set a reminder.
How no-claims discount protection works
No-claims discount protection can preserve your accumulated discount if you make a claim, subject to the insurer's rules. It protects the discount level rather than guaranteeing that your overall premium will stay unchanged.
\nIs NCD protection worth considering?
The value depends on the years of discount you have built up, the additional cost of protection, the policy terms and how the cover fits your circumstances. Compare the renewal premium, excesses and exclusions alongside any add-on cost.
Frequently asked questions
What is no-claims discount protection?
It is an optional feature intended to protect an accumulated no-claims discount after a claim, subject to the insurer's conditions and claim limits.
\nDoes NCD protection stop my premium increasing?
No. It protects the discount percentage, while the underlying premium can still change because of market pricing, risk information or claims history.