They are both the same. However as a company we use the term ‘No Claim Discount’ (NCD). This is the term used to describe the discount insurance companies give policyholders when have not made a claim or had a claim made against them. This is usually expressed in years.

NCD can only be used on one policy at any one time, and must have been used on a policy within the last 2 years to be valid. However, we will accept NCD within the last 3 years if we were the last insurer.

If you have not owned a motor insurance policy for more than 3 months, we will usually need additional confirmation to explain the reason for this. We will also need to know if there were any claims made during that period and if the NCD has been used in the meantime.

NCD can also be swapped between the policyholder and their spouse/partner, provided that the spouse/partner has held their licence long enough to accrue that level of NCD.

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