If you have 3 or more years No Claim Discount (NCD) you can protect it. Protected NCD enables you to make some "at fault" claims and still maintain your NCD.
The number of "at fault" claims you can make within a certain period depends on the number of years NCD you’re protecting.
If you don’t protect your NCD, any "at fault" claim would cause your NCD to be stepped back at renewal. Two or more "at fault" claims in one year would result in your NCD being stepped back to nil at renewal.
For further information about Protected NCD please see our Summary of Cover.