Protected NCD protects your NCD from being reduced to 0 if you suffer one at fault claim costing less than £45K within a 12 month period.

If you suffer an at fault claim costing more than £45k, Protected NCD will mean you only step back 2 years rather than lose it entirely. For example, if you had 5 years NCD and had an at fault claim of over £45k, at renewal you would have 3 years NCD.

Please note that this does not protect the price of the insurance and any claim suffered can mean an increase in your premium at renewal. It only protects the number of years NCD which will be lost as a result of a claim.

If you have 3 or more years of NCD, for an additional fee you can purchase Protected NCD.