No Claims Discount

As long as a claim has not been made during the period of insurance immediately before your renewal, we will include a No Claim Discount in your renewal premium. You may not transfer this No Claim Discount to any other person. If a claim is made during the period of insurance the No Claim Discount at renewal (or when the policy is cancelled, if this cancellation is prior to the renewal date) will be reduced in accordance with our current scale, detailed below.

Motor Guard  

Your No Claim Discount will not be affected if:

  • the only claims made are for damaged windscreen or window glass under section B or for replacement locks under Section L of your Motor Guard policy; or
  • all of our outlay is recovered from a third party (or could be but for an industry agreement); or
  • you have comprehensive cover and you make a claim for an accident that is not your fault and the driver of the vehicle that hit your car is identified and is uninsured.  (Please see section J - No Claim Discount of your Motor Guard policy booklet for full details)

All other claims will impact your No Claim Discount as follows:

No Claim Discount years prior to renewal No Claim Discount years allowed after
1 Claim 2 Claims
0 Years 0 Years 0 Years
1 Year 0 Years 0 Years
2 Years 0 Years 0 Years
3 Years 1 Years 0 Years
4 Years + 2 Years 0 Years

If your No Claim Discount has been protected (Please see section K of your Motor Guard policy booklet for full details) the following table applies:

No Claim Discount years prior to renewal Number of claims in previous 2 years Number of claims in current insurance year Years No Claim Discount at next renewal
4+ Years protected 0 1 4+ Years protected
4+ Years protected 0 2 4+ Years unprotected
4+ Years protected 0 3 2 Years unprotected
4+ Years protected 0 4 nil
4+ Years protected 1 1 4+ Years unprotected
4+ Years protected 1 2 2 Years unprotected
4+ Years protected 1 3 nil
4+ Years protected 2 or more * 1 2 Years unprotected
4+ Years protected 2 or more * 2 nil

*for illustration only - NCD would not normally be protected in these cases. However these claims may have occurred on other policies.
Note: The protection provided under section K only applies to your No Claim Discount.  It does not protect your premium and you may have to pay a higher premium or excess if any claims are made.

Optima Car, Optima Plus and Optima Motor  

Your No Claim Discount will not be affected if:

  • the only claims made are for damaged windscreen or window glass under section 6 or for replacement locks under Section 8 of your Optima policy; or
  • all of our outlay is recovered from a third party (or could be but for an industry agreement); or
  • you have comprehensive cover and you make a claim for an accident that is not your fault and the driver of the vehicle that hit your car is identified and is uninsured.  (Please see section 10- No Claim Discount of your Optima policy booklet for full details.)

Policies starting from 01/01/2000 until present:

Number of No Claim Discount years prior to renewal Number of No Claim Discount years allowed after
1 Claim 2 Claims 3+ Claims
0 Years 0 Years 0 Years 0 Years
1 Year 0 Years 0 Years 0 Years
2 Years 0 Years 0 Years 0 Years
3 Years 1 Year 0 Years 0 Years
4 Years 2 Years 0 Years 0 Years
5+ Years 4 Years 2 Years 0 Years

If your No Claim Discount has been protected (Please see endorsement F01 on your Optima policy schedule) the following table applies.

No Claim Discount years prior to renewal Number of claims in previous 2 years Number of claims in current insurance Years No Claim Discount at next renewal
5+ Years protected 0 1 5+ Years protected
5+ Years protected 0 2 5+ Years unprotected
5+ Years protected 0 3 4 Years unprotected
5+ Years protected 0 4 2 Years unprotected
5+ Years protected 0 5 nil
5+ Years protected 1 1 5+ Years unprotected
5+ Years protected 1 2 4 Years unprotected
5+ Years protected 1 3 2 Years unprotected
5+ Years protected 1 4 nil
5+ Years protected 2 or more * 1 4 Years unprotected
5+ Years protected 2 or more * 2 2 Years unprotected
5+ Years protected 2 or more * 3 nil
4 Years protected 0 1 4 Years protected
4 Years protected 0 2 4 Years unprotected
4 Years protected 0 3 2 Years unprotected
4 Years protected 0 4 nil
4 Years protected 1 1 4 Years unprotected
4 Years protected 1 2 2 Years unprotected
4 Years protected 1 3 nil
4 Years protected 2 or more * 1 2 Years unprotected
4 Years protected 2 or more * 2 nil

*for illustration only - NCD would not normally be protected in these cases. However these claims may have occurred on other policies.
Note: The protection provided under endorsement F01 only applies to your No Claim Discount.  It does not protect your premium and you may have to pay a higher premium or excess if any claims are made.

Van Guard  

Your no claim discount will not be affected if:

  • the only claims made are for damaged windscreen or window glass under section B or for replacement locks under Section L of your Van Guard policy; or
  • all of our outlay is recovered from a third party (or could be but for an industry agreement); or
  • you have comprehensive cover and you make a claim for an accident that is not your fault and the driver of the vehicle that hit your car is identified and is uninsured.  (Please see section J- No Claim Discount of your Van Guard policy booklet for full details.)

Policies starting from 01/01/2000 until present:
All other claims will impact your No Claim Discount as follows:

No Claim Discount years prior to renewal No Claim Discount years allowed after
1 Claim 2 Claims
0 Years 0 Years 0 Years
1 Year 0 Years 0 Years
2 Years 0 Years 0 Years
3 Years 1 Years 0 Years
4+ Years 2 Years 0 Years

If your No Claim Discount has been protected (Please see section K of your Van Guard policy booklet for full details) the following table applies:

No Claim Discount years prior to renewal Number of claims in previous 2 years Number of claims in current insurance year Years No Claim Discount at next renewal
4+ Years protected 0 1 4+ Years protected
4+ Years protected 0 2 4+ Years unprotected
4+ Years protected 0 3 2 Years unprotected
4+ Years protected 0 4 nil
4+ Years protected 1 1 4+ Years unprotected
4+ Years protected 1 2 2 Years unprotected
4+ Years protected 1 3 nil
4+ Years protected 2 or more * 1 2 Years unprotected
4+ Years protected 2 or more * 2 nil

*for illustration only - NCD would not normally be protected in these cases. However these claims may have occurred on other policies.
Note: The protection provided under section K only applies to your No Claim Discount.  It does not protect your premium and you may have to pay a higher premium or excess if any claims are made.

Optima Van  

Your no claim discount will not be affected if:

  • the only claims made are for damaged windscreen or window glass under Loss and Damage part A1 of the policy of your Optima Van policy; or
  • all of our outlay is recovered from a third party (or could be but for an industry agreement).

Policies starting from 01/01/2000 until present:

Number of No Claim Discount years prior to renewal Number of No Claim Discount years allowed after
1 Claim 2 Claims 3 Claims
0 Years 0 Years 0 Years 0 Years
1 Year 0 Years 0 Years 0 Years
2 Years 0 Years 0 Years 0 Years
3 Years 1 Year 0 Years 0 Years
4 Years 2 Years 0 Years 0 Years
5+ Years 4 Years 2 Years 0 Years

If your No Claim Discount has been protected (Please see endorsement F01 on your Optima policy schedule) the following table applies.

No Claim Discount years prior to renewal Number of claims in previous 2 years Number of claims in current insurance Years No Claim Discount at next renewal
5+ Years protected 0 1 5+ Years protected
5+ Years protected 0 2 5+ Years unprotected
5+ Years protected 0 3 4 Years unprotected
5+ Years protected 0 4 2 Years unprotected
5+ Years protected 0 5 nil
5+ Years protected 1 1 5+ Years unprotected
5+ Years protected 1 2 4 Years unprotected
5+ Years protected 1 3 2 Years unprotected
5+ Years protected 1 4 nil
5+ Years protected 2 or more * 1 4 Years unprotected
5+ Years protected 2 or more 2 2 Years unprotected
5+ Years protected 2 or more * nil
4 Years protected 0 1 4 Years protected
4 Years protected 4 2 4 Years unprotected
4 Years protected 0 3 2 Years unprotected
4 Years protected 0 4 nil
4 Years protected 1 1 4 Years unprotected
4 Years protected 1 2 2 Years unprotected
4 Years protected 1 3 nil
4 Years protected 2 or more * 1 2 Years unprotected
4 Years protected 2 or more * 2 nil

*for illustration only - NCD would not normally be protected in these cases. However these claims may have occurred on other policies.
Note: The protection provided under endorsement F01 only applies to your No Claim Discount.  It does not protect your premium and you may have to pay a higher premium or excess if any claims are made.