How NCD Recovery Is Calculated
A No-Claims Discount (NCD) is a cumulative discount earned for each year you drive without making a claim. Making a claim — especially an at-fault one — steps you back, costing you the discount for several years until you rebuild it.
This calculator assumes: each NCD step is worth approximately 5% of your current premium; after a claim you step back by the severity level selected; each accident-free year recovers one step. The total extra cost sums the premium increase for each recovery year.
Frequently Asked Questions
NCD protection lets you make one claim per year without losing your discount. It typically costs 10–15% of the premium and is worth it if you have a high NCD level you'd hate to lose.
Usually not if the insurer can recover costs from the at-fault driver. However, some insurers may still step back your NCD even for not-at-fault claims until recovery is confirmed.