When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of four years NCD. You must also have had no more than one fault claim in a three year period to be eligible. Your NCD level will then be maintained in the event of a claim. Without NCD protection, claims where we are unable to make a full recovery from a third party will reduce your NCD.
NCD protection does not protect your premium and you may have to pay a higher premium and excess from your next renewal if any claims are made. Your NCD will not increase in any years in which you have a claim. You should check the Policy Booklet for further details on how your NCD may be affected by multiple claims.
This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.