What happens to my NCD when I renew?

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
NCD years at the start of the period of insurance	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

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)

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