Car Insurance Information
No Claims Discount
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No Claims Discount
The discount is usually reduced by two steps after a
claim. Whenever a claim is made under a motor policy,
the discount will always be affected unless your insurance
company can recover its costs from another party.
If your insurer can make a full recovery or is only
stopped from doing so by a knock-for-knock agreement,
your no claim discount may not be affected. Similarly,
if you recover all your uninsured losses (such as accidental
damage excess) then your discount may not be affected.
Sometimes your no claim discount will be reduced at policy
renewal time if a claim is expected to come in, or is
still waiting to be settled. The discount may be reinstated
if your insurer subsequently doesn't have to pay out under
the policy.
