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.

Do not let NCD worry stop you from reporting the accident or seeking treatment. How NCD interacts with a claim sets out what to expect for the vehicle side. For your injury claim against the other driver’s insurer, an independent lawyer can take it on.