What is No Claims Discount (NCD)?

A No Claims Discount (NCD), also called a No Claims Bonus (NCB), is a reward for claim-free driving. For each year you don’t make a claim, you earn one year of NCD. The more years you have, the bigger the discount on your premium.

What is No Claims Discount Protection?

No Claims Discount Protection is an optional add-on that keeps your discount intact after certain claims:

• It allows up to two fault claims per year without losing your NCD.
• Non-fault and windscreen claims don’t affect your NCD with or without protection.
• If you make more than two fault claims in one policy year, your NCD may still be impacted even with protection

No Claims Discount Protection does not stop your premium from increasing. It only protects the discount level.

What if I have No Claims Discount Protection and I make a claim?

If you’ve added No Claims Discount Protection to your policy, you can usually:

• Keep your NCD after 1 or 2 fault claims in a year
• It will still be affected if you make 3 or more fault claims in a single year

Without No Claims Discount Protection, you will typically lose 2 years of your No Claims Discount for each fault claim you make.

Who can get No Claims Discount Protection?

You’ll be able to add NCD Protection if:

• You have at least 1 year of UK No Claims Discount (NCD).
• You’ve had no more than one fault claim in the last 2 years.

If you’re eligible, the option will automatically appear during the quote and sign-up process.

When can I add No Claims Discount Protection?

• At sign-up: You can add it when buying your policy directly with Marshmallow or through a comparison site.
• Not mid-policy: Once your policy is active, you won’t be able to add NCD Protection.