What happens to my no claims discount (NCD) if I make a claim?

If we're unable to recover all of our expenses in relation to a claim, it's known as a 'non-recoverable' or 'fault' claim. In this scenario, your no claims discount would be reduced at renewal, have a look at the table in your schedule of insurance for details.

You may be eligible to protect your no claims discount for an additional premium. Protected no claims discount can only be added when you buy or renew your policy. If you add this, then your no claims discount will not be reduced regardless of the number of claims you make