If the incident is not your fault and we make a full recovery from the responsible person, your no claims discount will be unaffected. However, if we are unable to recover the cost, your no claims discount will be reduced at the renewal of your policy*.
If the incident is your fault, your no claims discount will be reduced*.
In the event of a theft claim your no claims discount will be reduced, as it is unlikely we will locate the persons who stole your vehicle and recover the costs*.
*No claims discount protection can be added if you have a minimum of 4 years no claims discount (NCD). This can be added before you buy the policy, and cannot then be added until the next renewal.