Is it worth protecting my No Claims Discount (NCD) on my car insurance?

If no claim has been made against this policy during your period of insurance, Darwin will give you a discount according to the current scale at the time of renewal of this policy: this is referred to as a No Claims Discount or a No Claims Bonus. You can build up your NCD over time if you don’t make a claim on your insurance policy – the more claim free years you have, the better the discount on your insurance you’re likely to receive.

When taking out your insurance, you may have the option of protecting your NCD. This allows you to make a certain number of claims without affecting your NCD,

It’s worth noting having NCD Protection  doesn’t protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.


Please note that the following will not affect your NCD even if you did not protect your NCD:

  • If your claim only relates to windscreen damage
  • 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


Keywords: no claims, NCD, NCB, no claims bonus, no claims discount, protection, car insurance