Understanding your No Claims Discount

In a nutshell, as long as you don’t make a claim during your annual policy cover, we’ll include your No Claims Discount when it’s time to renew your insurance.

Depending on what type of cover you have, you may not lose your no claims discount. To find out more, take a look at the tables below:

Motor Guard

Your no claims discount won’t be affected if:

  • You’ve made a claim for a damaged windscreen or window glass or replacement locks
  • All our costs are recovered from a third party
  • You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured

All other claims will affect your no claim discount as follows:

No claims discount years prior to renewalNo claims discount years allowed after
1 Claim2 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:

No claims discount years prior to renewalNumber of claims in previous two yearsNumber of claims in current insurance yearYears no claims 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

*Example only – your No Claims Discount wouldn’t normally be protected. However, these claims may have occurred on other policies.

Optima Car, Optima Plus and Optima Car

Your no claims discount won’t be affected if:

  • You’ve made a claim for a damaged windscreen or window glass or replacement locks
  • All our costs are recovered from a third party
  • You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured

All other claims will affect your no claim discount as follows:

Policies from 1/1/2000

Number of no claims discount years prior to renewalNumber of no claims discount years allowed after
1 Claim2 Claims3+ 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 3 Years 2 Years 0 Years

If your no claim discount has been protected:

No claims discount years prior to renewalNumber of claims in previous 2 yearsNumber of claims in current insuranceYear no claims 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

*Example only – your No Claims Discount wouldn’t normally be protected. However, these claims may have occurred on other policies.

Van Guard         

Your no claims discount won’t be affected if:

  • You’ve made a claim for a damaged windscreen or window glass or replacement locks
  • All our costs are recovered from a third party
  • You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured

All other claims will affect your no claim discount as follows: 

Policies from 1/1/2000 until present

No claims discount years prior to renewalNo claims discount years allowed after
1 Claim2 Claims
0 Years 0 Years 0 Years
1 Year 0 Years 0 Years
2 Years 0 Years 0 Years
3 Years 1 Year 0 Years
4+ Years  2 Years 0 Years

If your No Claim Discount has been protected:

No claims discount years prior to renewalNumber of claims in previous 2 yearsNumber of claims in current insurance yearYears no claims dicount 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

*Example only – your No Claims Discount wouldn’t normally be protected. However, these claims may have occurred on other policies.

Optima Van

Your no claims discount won’t be affected if:

  • You’ve made a claim for a damaged windscreen or window glass or replacement locks
  • All our costs are recovered from a third party

All other claims will impact your no claim discount as follows:

Policies starting from 1/1/2000 until present

Number of no claim discount years prior to renewalNumber of no claim discount years allowed after
1 Claim2 Claims3 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:

No claim discount years prior to renewalNumber of claims in previous two yearsNumber of claims in current insuranceYears 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

*Example only – your No Claims Discount wouldn’t normally be protected. However, these claims may have occurred on other policies.

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