OPTIONAL EXTRAS
No Claims Discount Protection Cover.
Your No Claims Discount stays protected, even if you claim during the year.
What is No Claims Discount Protection?
Making a claim can impact your No Claims Discount at renewal. Find out how No Claims Discount Protection works - and where it has limits
What is No Claims Discount?
No Claims Discount Protection means your No Claims Discount won't be reduced if you make a claim during the policy year - even if the claim was your fault
What No Claims Discount isn't
Protecting your No Claims Discount doesn't guarantee your renewal price will stay the same.
Insurers consider a range of factors when calculating premiums, including claims history and risk, even where fault isn't involved. Your No Claims Discount will be included in the calculation.
What is No Claims Discount?
No Claims Discount Protection means your No Claims Discount won't be reduced if you make a claim during the policy year - even if the claim was your fault
What No Claims Discount isn't
Protecting your No Claims Discount doesn't guarantee your renewal price will stay the same.
Insurers consider a range of factors when calculating premiums, including claims history and risk, even where fault isn't involved. Your No Claims Discount will be included in the calculation.
What's Covered.
No Claims Discount Protection means your No Claims Discount won't be reduced if you make a claim during the policy year.
You can add this cover once you've earned at least one year of No Claims Discount.
Read policy wording
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Unlimited claims
You can make an unlimited amount of claims without losing your No Claims Discount -
Save more on your insurance
The more No Claims Discount you build up, the lower your insurance premium will be. -
Stay protected against uninsured drivers
If you're involved in an accident with an uninsured driver, your No Claims Discount remains protected -
Perks for new and young drivers
Drivers can add No Claims Discount Protection once they've earned at least one year of No Claims Discount.
Answers to important questions.
Explore All FAQsWhat does Protected No Claims mean?
Our guaranteed No claims discount (NCD) protection means regardless of how many claims you make during your policy year. Your NCD discount will not be reduced.
NCD protection doesn't protect the overall price of your insurance.
The price of your insurance policy may increase following an accident even if it wasn't your fault.
The table below shows what would happen to your NCD years if you were to make one or more claims in the policy year with and without this protection.
Impact of claims on your NCD
*Equal to the amount of NCD you have at the beginning of your policy
Average NCD discount
By protecting your No Claims Discount, please note that you are protecting the discount that will be applied to your premium, not the premium itself. Following a claim, your premium may rise.
Can I protect my No Claims Discount?
If you have one or more years No Claims Discount (NCD) you're eligible to protect it when you set up your insurance with us.
Our guaranteed No Claims Discount (NCD) Protection means regardless of how many claims you make over the next 12 months your NCD will not be reduced.
NCD Protection can't be added on during the policy year, only at the start of a new year, and it doesn't protect the overall price of your insurance.
The price of your insurance policy may increase following an accident even if it wasn't your fault.
You can view your NCD details by logging in to Your Account and selecting ‘Your Policy’ from the dashboard.
How can I find my No Claims Discount (NCD) details?
You can view your NCD details by logging in to Your Account and selecting ‘Your Policy’ from the dashboard.
Please note: You can only request your NCD when your policy is no longer active.
How much No Claims Discount will I lose if I claim?
If you make a claim on your Motivo policy your No Claims Discount (NCD) at renewal will be reduced according to the scale below.
No claims discount you have now → Discount reduced to:
If you make more than one claim during your policy year your NCD will be reduced to zero.
If you are not at fault for your claim (provided the third party have accepted liability and we have recovered the total cost of the claim from them) your NCD will not be reduced.
If you have purchased NCD Protection your NCD will not be reduced.