Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

Motor Claims – General

How would my NCD be affected if I make a claim?

If you make an Own Damage claim, Windscreen claim, Theft claim or a third party has made a claim against your policy, your No Claims Discount (NCD) is typically reduced to zero.
However, if you have purchased extra cover i.e. Windscreen/Tinting (Endorsement 89) or NCD relief (Endorsement 111) your NCD will either not be affected or you will be compensated an amount equal to your current entitlement shown in your policy upon renewal.
For Theft claims, your NCD will be forfeited regardless of any additional cover purchased.
If you are making a No-Fault Own Damage claim, you will not lose your NCD entitlement.

For iPhone users, please click here to download it from the App store...

To submit a reading via our mobile app...

For private cars, claims will not cover repairs done at non-panel workshops. Your vehicle must be sent to one of our panel workshops or...