The short answer
A fault claim removes 2 years of NCD by default; some insurers reset it to zero. A non-fault claim (third-party fully recovered) usually has no effect. Protected NCD preserves the discount but not the underlying premium, which still rises.
Frequently asked
- Is protected NCD worth it?
- Generally yes once you have 4+ years and have paid for it for under £40/year.
- Does a windscreen claim affect my no-claims discount?
- Usually not — most UK insurers treat windscreen claims separately, but check your policy wording.
- Should I pay for small damage myself to protect NCD?
- Often yes, if the repair costs less than the excess plus the premium rise over the next 3 years.
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