Will making a claim affect my no claims discount (NCD)?
If you’ve protected your no claims discount, then making a claim shouldn’t affect the number of years that contribute to your NCD. However, your car insurance premium could still increase, and that’s because your insurance premium is calculated before your NCD is applied. So, if you’ve had an accident, the basic cost of your premium is likely to go up.
Your NCD is applied after that premium is calculated, so although your NCD discount remains the same, the actual cost of your premium has risen – resulting in an overall increase.
If you haven’t protected your NCD, making a claim for an accident that was your fault will certainly affect your NCD years.