If you make a claim and your No claim discount is not protected, we will reduce your No claim discount on the car which was subject to the claim in line with the table below:
| No claim discount at last renewal date (years) | No claim discount at next renewal date (years) | ||
| 1 Claim | 2 Claims | 3 Claims | |
| 1 | NIL | NIL | NIL |
| 2 | NIL | NIL | NIL |
| 3 | 1 | NIL | NIL |
| 4 | 2 | NIL | NIL |
| 5 or more years | 3 | NIL | NIL |