If the accident is not your fault, you will not lose your No Claim Discount. Please note however that if liability has not been determined yet and your insurance is up for renewal, the NCD will be temporarily lost and the difference is reimbursed once we receive acceptance of liability from the other party.

For private cars having comprehensive or third party fire & theft cover, if there is one claim within a 12 month cover period, your 6th year 65% No Claim Discount will remain at 65% the following year. This will, however, then be subject to a 2 year step back following a claim during the next year.

4th year (60%) or 5th year 65% No Claim Discount may be protected at an additional charge.
Other policies are subject to step back or loss of No Claim Discount following an accident. Please refer to our full No Claim Discount rules for full details.

Posted in: Damages & Claims