What is No Claims Discount protection and am I eligible?

You will be eligible to purchase No Claim Discount (NCD) Protection if you have a minimum of four years NCD, with no more than one fault claim within the past three years for all drivers combined.

Having NCD Protection means that your NCD will not be affected by:

  • One claim made during the current period of cover, or by
  • Two claims arising in the three preceding years of insurance.

You will cease to be eligible for the benefit if claims exceed the above number. Your premium may still increase following a claim.

Please also note that NCD Protection can only be added at the start of your Darwin insurance contract i.e. when you first start your policy or when you renew it. In addition, 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.


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