What is a No Claim Discount (NCD) Protector?

The No Claim Discount (NCD) Protector is an optional extension of your motor insurance policy. It safeguards your NCD status, allowing you to make a claim without losing your NCD percentage.

This benefit is generally available if your NCD is 50%, although some insurers may allow it for NCDs of 40% and above.

How the NCD Protector Works

The table below illustrates how the NCD Protector affects your NCD upon making claims during your policy period:

Number of Claims	NCD Entitlement on Renewal
1 (One)	50% (instead of 20%)
2 (Two)	20% (instead of 0%)
3 (Three)	0%

Example: If you have an NCD of 50% and make one claim, normally your NCD would drop to 20%. With the NCD Protector, you can maintain your 50% NCD when renewing your motor insurance.

For more details on how No-Claim Discount (NCD) works, see our complete guide.