How does a car insurance claim affect my No Claims Discount (NCD)?

If your Darwin motor policy makes a claims payment which we are unable to recover from a third party, your NCD will be reduced, even if you weren’t to blame. Your NCD will be reduced in accordance with the insurer scale applicable at such a time as shown on your Schedule.

Your NCD will not be affected in the following circumstances:

  • If your claim only relates to windscreen damage.
  • If Darwin only has to pay an emergency medical treatment fee.
  • If you make a claim for an accident that is confirmed as not your fault and the driver of the vehicle that hits your car is not insured.



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