Insurance FAQs

What happens to my NCD if I have to make a claim?

It depends on what you're claiming on your car insurance for.

For example, if you were involved in a car accident and it was your fault, you may lose all of the NCD you've built up over years of driving. We'll reduce your NCD in line with our step back rules, which can be found in your Multi Cover insurance policy document, unless you have protected your NCD.

If you're involved in an accident that wasn't your fault and we're able to recover the cost of paying out to you from the liable driver's insurer, your NCD won't be affected.

There are some cases where a claim won't affect your NCD. For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.

With our Multi Cover policy, if you have more than one car insured with us, each car earns its own NCD, so if you make a claim on one car, it won't affect the NCD on the other car(s) on the policy. A claim on your car won’t impact the price you pay for your home insurance.

If you're eligible and choose to pay an extra premium, we can protect your NCD. That way, your discount won't be reduced even if you have to make a number of claims on your policy.

To protect your NCD, give us a call on 0330 678 5111.

Lines open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday
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