The No Claim Discount (NCD) Protector is an extension of your motor car insurance policy. It protects your NCD status – it allows you to make a claim under your policy without losing your NCD (%) status.
This benefit is only available to you if your NCD is 50%. (Some insurers allow their clients to add on this benefit if their NCD is 40% and above.)
The table below shows how the NCD Protector affects your NCD (%) if you have made claims within the policy period:
For example, if you have an NCD of 50% and have made one claim, your NCD will drop to 20%. The NCD protector will allow you to maintain your NCD at 50% upon your next motor insurance renewal.