What happens to my NCD if I make a claim?
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 |
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