What is no claims discount protection?

No claims discount protection is one of the benefits that you can add to your car or van insurance policy. With this cover if you make one claim in the insurance year your no claims bonus will not be affected. To add this cover you must have earned at least 5 years no claims discount. NCD protection* is an optional cover and an additional charge will apply if you want to buy this cover.


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 of you were not at fault.


No Claims Discount (NCD) Protection allows you to make one or more claims before your number of No Claims Discount years falls. Please see the step back procedures for details.


This allows you to make 2 claims in a 3 year period without affecting your No Claims Discount. Your premium may increase if you make claims, receive penalty points or convictions.

The tables below show:

(i) the average NCD awarded to AXA motor insurance policyholders last year according to their number of NCD years

(ii) 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.


(i) Average NCD awarded


NCD Years NCD %
0 15
1 45
2 55
3 63
4 70
5 75
>5 75

(ii) 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?


Number of years No Claims Discount for this period of insurance @ncdYears.ToString()
Without NCD Protection
Claims in next 12 months NCD Years at renewal
1 Claim in next 12 months 4
2 Claims in next 12 months 2
3 Claims in next 12 months 0
4 Claims in next 12 months 0
With NCD Protection
Claims in a 3 year period NCD Years at renewal
1 Claim in a 3 year period 5
2 Claims in a 3 year period 5
3 Claims in a 3 year period 3
4 Claims in a 3 year period 1


Check your policy document for more information. You can access this document in your MyAXA account.


Alternatively, you can contact us on 02890 020104 or visit one of our branches.


* Terms and conditions apply, please refer to your policy document for more information.

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