No claim discount (NCD)

The no claim discount (NCD) is a reduction in your motor insurance premium that grows each year you do not make a claim on your own policy.

An at-fault own damage claim on your own policy typically resets or reduces your NCD, which is one reason drivers worry about reporting an accident. Being the innocent party, or claiming only for your injuries from the other driver’s insurer, is treated differently and generally does not touch your own NCD.

Understanding this distinction helps you decide how to handle the vehicle side of an accident without letting that worry stop you from reporting it or seeking treatment.

For the vehicle side specifically, how NCD interacts with a claim sets out what to expect.