How does protected no claims discount (NCD) work?

When you protect your no claims discount it means you can make up to 2 at fault claims in 3 consecutive years and keep your NCD entitlement. If you need to make more than 2 at fault claims in 3 years, then your discount is no longer protected and your NCD will be impacted.

An ‘at fault’ claim is when the insurer is unable to recover losses from a third party.

• Can I protect my no claims discount?
• Do you accept No Claims Discount from outside the UK?
• Do you offer an online discount?
• Can I switch my no claims discount from a motorbike to a car insurance policy?
• What is ‘No Claims Discount’ and do I need to provide proof?