What happens to my NCD when I renew?

What happens if you don't make a claim?

We will increase your NCD by 1 each year you renew the same policy and remain claim free. We will give you a loyalty bonus year for each year over 5 - the maximum NCD you can earn with esure is 10 years, comprising of 5 years NCD and 5 loyalty years. 



What happens to your NCD if you make a claim in the first year of insurance?

We will discount your policy according to the NCD scale below based on the number of years NCD you proved you were entitled to.

NCD years at the start of the period of insurance

NCD entitlement per fault or non recoverable claim

1 Claim

2 Claims

3 Claims

0 to 2

Nil

Nil

Nil

3

1 year

Nil

Nil

4

2 years

Nil

Nil

5

3 years

1 year

Nil

 5+ at inception

3 years

1 year

Nil

 

What happens if you make a claim in subsequent renewal years?

If you have 5 years or less and you make a claim, your NCD will be reduced by two years. Once you have 6 or more years the scale changes, and includes your loyalty bonus years, as per the table below.

NCD years at the start of the period of insurance

NCD entitlement per fault or non recoverable claim

1 Claim

2 Claims

3 Claims

5 years NCD

3

1

Nil

   +1 loyalty year

4

2

Nil

+2 loyalty years

4

3

1

+3 loyalty years

5

3

1

+4 loyalty years

6

4

2

+5 loyalty years

7

4

2

The following claims will not reduce your NCD:

  • Windscreen damage claims which fall under Section 4 of the policy
  • Emergency medical treatment fees paid under Section 1 (4)
  • Claims where we have been able to recover all our losses on your behalf
  • Claims where the Third Party responsible for the damage has been identified and they are not insured
  • Vandalism claims if the incident has not been caused by another vehicle, has been reported to the police and a crime reference number can be provided
  • Any claims made under the Optional Extras cover.
  • Use of the counselling service under Section 5 (5) (Sheilas' Wheels Motor Product Only)