No Claims Discount Protection
Interested in No Claims Discount Protection cover?
Keep your much-deserved discount safe and drive knowing you’ve saved on your insurance.
What's covered?
Our No Claims Discount Protection offers great benefits that are hard to come by! You can make unlimited claims without affecting your no claims discount. Plus, new and young drivers can add this protection after just one claim-free year.
Unlimited claims
With this add-on, no matter how many claims you make during your policy, your No Claims Discount won’t go down.
Save more on your insurance
The more No Claims Discount you build up, the lower your insurance premium will be.
Stay protected against uninsured drivers
If you’re involved in an accident with an uninsured driver, your No Claims Discount will be safe, so you won’t be out of pocket.
Perks for new and young drivers
Drivers can add No Claims Discount Protection as an add-on once they’ve earned over one year of No Claims Discount.
What is No Claims Discount Protection?
It means that even if you need to make claims during the policy year, your No Claims Discount won’t go down.
While No Claims Discount Protection Cover ensures you don’t lose your No Claims Discount after an accident, it doesn’t prevent the overall price of your insurance from increasing. This is because insurers consider several factors when determining your renewal premium. For example, even if an accident wasn’t your fault, insurers might view you as a higher risk due to being involved in a claim.
Don’t worry, your discount will still be included in our motor premium calculation.
Or speak to our Claims team on 0333 043 2011
Answers to important questions
What does Protected No Claims mean?
Our guaranteed No claims discount (NCD) protection means regardless of how many claims you make during your policy year. your NCD discount will not be reduced.
NCD protection doesn't protect the overall price of your insurance.
The price of your insurance policy may increase following an accident even if it wasn't your fault.
The table below shows what would happen to your NCD years if you were to make one or more claims in the policy year with and without this protection.
Can I protect my No Claims Discount?
If you have one or more years No Claims Discount (NCD) you're eligible to protect it when you set up your insurance with us.
Our guaranteed No Claims Discount (NCD) Protection means regardless of how many claims you make over the next 12 months your NCD will not be reduced.
NCD Protection can't be added on during the policy year, only at the start of a new year, and it doesn't protect the overall price of your insurance.
The price of your insurance policy may increase following an accident even if it wasn't your fault.
Can you send me proof of my No Claims Discount?
Your renewal invite serves as proof of your No Claims Discount and we will send this to you when your policy is due for renewal.
If you decide not to renew with us we will also send your proof of NCD via email after your policy expires.
If you don't receive this you can request your NCD by clicking this link.
We will then email you your proof of NCD within five days.
How much No Claims Discount will I lose if I claim?
If you make a claim on your 1st Central policy your No Claims Discount (NCD) at renewal will be reduced according to the scale below:
No claims discount you have now → Discount reduced to:
- 1 to 2 years → 0 years
- 3 years → 1 year
- 4 years → 2 years
- 5-7 years → 3 years
- 8+ years → 4 years
If you make more than one claim during your policy year your NCD will be reduced to zero.
If you are not at fault for your claim (provided the third party have accepted liability and we have recovered the total cost of the claim from them) your NCD will not be reduced.
If you have purchased No Claims Discount Protection your NCD will not be reduced.
Protect your No Claims Discount
You can add No Claims Discount Protection when you first take out a policy with us or at renewal in Your Account.