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What is protected No Claim Discount?

It's a way of keeping your No Claim Discount (NCD) even when you have to make a claim on your policy.

You’ll be eligible to add on Protected NCD if you meet the following criteria:

  • You have 3 years NCD or more
  • You’ve had no accidents or claims within the last 2 years.

Please see our NCD table below for further information:

Cover # of claims What will happen to my No Claim Discount?
Protected NCD - 3 years One claim during any period of insurance Your No Claim Discount will remain at 3 years but protection against further claims will be lost
Two claims during any period of insurance Your No Claim Discount will be reduced by 2 years and the protection will be lost
Three or more claims during any period of insurance You will lose all your No Claim Discount along with the protection
Protected NCD - 4 years One claim during any three year period Your No Claim Discount will remain at 4 years and will still remain protected
Two claims during any three year period Your No Claim Discount will remain at 4 years and protection against further claims will be lost
Three claims during any three year period Your No Claim Discount will be reduced by 2 years and protection will be lost
More than three claims made during any three year period You will lose all your No Claim Discount along with the protection
Protected NCD - 5 years One claim during any three year period Your No Claim Discount will remain at 5 years or more years and will still remain protected
Two claims during any three year period Your No Claim Discount will remain at 5 years or more and protection against further claims will be lost
Three claims during any three year period Your No Claim Discount will be reduced to 3 years and protection against further claims will be lost
Four claims made during any three year period You will lose all your No Claim Discount along with the protection
More than four claims made during any three year period You will lose all your No Claim Discount along with the protection

For further information please see our Car Insurance Policy document.

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Insurance is arranged by Aviva UK Digital Limited trading as General Accident. Registered in England No. 09766150. Registered Office: St Helen's, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority.
Policies are underwritten and administered by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.