What does protected No Claim Discount for motor insurance provide?

No claim discount (NCD) protection is an optional cover which protects your NCD from one "at fault" claim every year. It does not protect the overall price of your insurance policy, but does guarantee that your premium won't increase next year as a result of a claim. Your price may still alter if a claim invalidates any fixed price offer on your policy.

You must be 21 or over with 3 or more years NCD and have had no more than 1 claim in the last year to protect your NCD.

If you don't protect your NCD, any "at fault" claim would step your NCD years back at renewal. Two or more "at fault" claims in one year would result in your NCD being stepped back to nil at renewal.

If you're a new customer, for further information please see our summary of cover.

If you're an existing customer, for further information please refer to the documents section of MyAviva on the policy you wish to view.

If you're an existing customer you can only add NCD protection cover at renewal. To add it, please call us on 0800 056 2192.

Explore more frequently asked questions

Whether you want to change your details, make a claim or understand more about our products, you can find answers to FAQs by category.

Coronavirus updates, help and support

We're having to do a few things a little differently right now, here's all the latest information about our different policies, including COVID-19 specific frequently asked questions, and the best way to contact us.

FAQ search tool

Not found the answer you need yet? If you have a particular question, try our FAQ search tool.