A reduced No Claims Discount could further increase your price when it’s time to renew.
The tables show: (1) the average NCD discount awarded to our motor insurance policyholders last year according to their number of NCD years; and (2) what would happen to your NCD years if you were to make one or more claims in the next 12 months with and without this protection.
No claims discount protection allows you to make one or more claims before your number of no claims discount years falls. Please see the step-back procedures below for details. No claims discount protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.
(1) Average NCD discount awarded
RAC breakdown cover is flexible meaning you can choose the right cover for your lifestyle. Their minimum level cover includes roadside assistance which applies once you’re over ¼ mile from home. They will send a mechanic to help you any time of the day or night in the UK. If they can’t fix your vehicle by the roadside, they will tow you to a local garage for repair.
| Number of years No Claims Discount | Average NCD in 2021 |
|---|---|
| Four years NCD | 50% |
| Five years NCD | 52% |
| Six years NCD | 54% |
| Seven years NCD | 54% |
| Eight years NCD | 58% |
| Nine years or more NCD | 61% |
(2) What happens if i make a claim in the next 12 months?
The average NCD discount awarded by the insurer last year according to their number of NCD years.
| Number of claims made in the next 12 months | Without NCD Protection | With NCD Protection |
|---|---|---|
| 1 claim | Lose 6 years NCD | Stays the same |
| 2 claims | Lose 8 years NCD | Stays the same |
| 3 claims | Lose 9 years NCD | Lose 6 years NCD |