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Protected No Claims Discount (PNCD)

U K Insurance Limited

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About Protected No Claims Discount

No claim discount protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

No claim discount protection allows you to make one or more claims before your number of no claim discount years falls. Please see the step-back procedures for details.

The tables below show: (i) the average NCD discount awarded to our motor insurance policyholders last year according to their number of NCD years; and (ii) what would happen to your NCD years if you were to make one or more claims in the next 12 months with and without this protection.

Number of years No Claim Discount Average NCD in 2024
One year NCD 10%
Two years NCD 20%
Three years NCD 21%
Four years NCD 23%
Five years NCD 24%
Six years NCD 24%
Seven years NCD 24%
Eight years NCD 24%
Nine years or more NCD 28%

Step-Back Procedure

If you have NCD protection included, your NCD years will not be affected if one claim is made against your policy during the next 12 months.

If you do not have NCD protection your NCD years will reduce to 2 or 3 years (depending on the number of NCD years you begin with) in the event of a claim made against your policy in the next 12 months.

A more detailed explanation of what will happen to your NCD in the event of a claim or several claims is included in the table below. Please refer to the relevant row according to your number of NCD years.

Number of years No Claims Discount at this renewal No Claim Discount at next renewal date without NCD protection No Claim Discount at next renewal date with NCD protection
1 claim in the next 12 months 2 claims in the next 12 months 3 claims in the next 12 months 1 claim in the next 12 months 2 claims in the next 12 months 3 claims in the next 12 months
Four years 2 years Nil Nil 4 years 4 years 2 years
Five years 3 years 1 year Nil 5 years 5 years 3 years
Six years 3 years 1 year Nil 6 years 6 years 3 years
Seven years 3 years 1 year Nil 7 years 7 years 3 years
Eight years 3 years 1 year Nil 8 years 8 years 3 years
Nine years or more 3 years 1 year Nil 9 years 9 years 3 years