No Claim Discount (NCD or NCB)

You are entitled to a No Claim Discount (NCD) as appended below on your renewal premium if : no claim is made or arises from your policy; and you have insured your vehicle with the same Insurer for a continuos period of 12 months The NCD available to Private Car owners are as follows: after one continuos claim-free year :25% after two continuos claim-free year :30% after three continuos claim-free year :38 1/3% after four continuos claim-free year :45% after five or more continuos claim-free year :55% ( maximum ); you will lose your NCD if there is a claim, irrespective whether the accident is your fault or not and you have to start from 0% again; If you decide to change Insurer on renewal, you can ask your current Insurer to give you an NCD confirmation letter. Your new Insurer, will then allow the confirmed NCD % on your new premium;