Protected No Claims Discount Cover
Add an extra layer of security to your 1st Central car insurance with Protected No Claims Discount Cover and drive worry-free, knowing your No Claims Discount (NCD) that you’ve worked hard to earn is in safe hands.
What is Protected No Claims Discount Cover?
Our guaranteed No Claims Discount (NCD) protection means regardless of how many claims you make during your policy year, your NCD won’t be reduced.
Protected No Claims Discount Cover doesn't protect the overall price of your insurance, so you might see the price of your insurance policy increase following an accident, even if it wasn't your fault.
Don't worry though, the discount you're entitled to will still be factored into our motor premium calculation.
Key features of Protected No Claims Cover
Keep your No Claims Discount intact
No matter how many claims you make over the course of your policy, your NCD won’t be reduced.
Save on your insurance premium
The more year's NCD you have, the lower your insurance premium.
Guaranteed Protected No Claims Discount
We won't just protect your NCD for one claim; we've got you covered for multiple claims throughout your time with 1st Central.
Start protecting your car today
Would you like to add Protected No Claims Discount Cover to your policy?
You can only purchase No Claims Discount Cover when you first take out or renew your policy with 1st Central, you must also have at least one year's worth of NCD already in order to be eligible to protect your No Claims Discount.
Upon renewal, select No Claims Discount Cover on the quote page when you buy your insurance online, or tell one of our agents that you’d like this cover if you purchase over the phone.
Do you already have Protected No Claims Discount Cover?
If you’ve got Protected No Claims Discount Cover and you make a claim, you won’t lose your No Claims Discount, and even better, you don’t need to do anything, our agents will do everything for you.
If the claim is your fault, your NCD will stay the same as it was at the start of your policy, but if the claim wasn’t your fault, then your NCD will increase at the end of your policy year.