How does protected No Claims Discount work?

When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of four consecutive years of claim free driving.

Your NCD level will be maintained in the event of a claim. The price of this optional benefit will be included in your premium.

Without NCD protection claims where we are unable to make a full recovery from a third party will reduce your NCD. You should check the Policy Summary Booklet for further details on how your NCD may be affected by claims and how NCD protection will work in the event of multiple claims and/or future policy years.