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What Happens to NCD After a UK Claim?
A fault claim usually wipes 2–5 years of NCD unless protected. See how protected NCD actually works.
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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.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
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