If you have earned five years’ discount or more, and you've not made more than one claim in the last three years, you might qualify for our Protected No Claim Discount option.
With this option, in return for an extra premium you can protect the number of claim-free years you've earned and the associated discount (not the amount of the premium) when you renew.
Your protection will remain in place provided you have made no more than two claims in the previous three years, including claims with a previous insurer. Three claims will result in your protection being withdrawn at renewal and four or more will mean that your number of claim-free years, and the associated discount, will reduce following our normal step-back rules.
Please also note that if any claim is made during the current period of insurance, the number of years' discount will not increase at the next renewal.
Your overall premium may increase or decrease next year whether or not you’ve made a claim and you have selected Protected No Claim Discount. For example, Insurance Premium Tax changes and general pricing changes might affect the amount of your premium from year to year.