Get your NCD questions solved with Economical Direct. S. A no claims bonus (also known as no claims discount) is a percentage discount on car insurance given to drivers who do not have any claims on their record. A discount scale is. What does it mean if my no claims is protected? No claims discount protection typically means a policyholder can make a claim on their car insurance, if they need to, without losing their no claims discount altogether. If you haven’t made a recent claim, you can get a no claims bonus, also known as a no claims discount (NCD), on your car. Check the Loyalty Discount page to learn more. 55% to 30%, 50% to 30%, 40% to 20% or; 30% to 10%; Aviva policies. Your no claim bonus may decrease when you make a claim where there is no third party to recover costs from. Every year you earn a No Claims Bonus you will receive a discount off your annual insurance premium. no-claims bonus definition: 1. No Claim Bonus is calculated on each eligible vehicle insured under your motor vehicle policy unless your claims history does not entitle you to a No Claim Bonus. Receive thy NCD related solved include Budget Direct. Budget Insurance’s Mirrored No Claims Discount is different, offering customers the opportunity to be rewarded for safe driving. Last year our auto insurance rates increased by 26%, no accidents. However, DirectAsia is now offering a NCD60 coverage – a first in Singapore. No-claims protection is an optional add-on to insurance premiums offered by some providers. This means, no matter which car you have- as long as you have been renewing your car policies before its expiry date, you can continue to benefit from a NO Claim Bonus for your car insurance. What is Rating 1? Rating 1 is the maximum discount you can achieve after 5 years of good driving. No Claims Bonuses - Complete Guide 2020. Find answers to frequently asking questions about no-claim discounts for Comprehensively Vehicle Insurance policies. A no claims discount (also known as a safe driver reward, no claim bonus rating scheme or no claim bonus rating level) is a reward offered by some insurance. The insurance firm announced that new and existing customers with comprehensive cover will now keep their no-claims discount in a. Whereas for motorcycles and. But if you had to make a claim, your insurer might increase the premium to £1,800, meaning you would. The overall rating of “9. The maximum discount awarded for having full NCB (5 years+) could be up to a 75% discount. It must be no more than 2 years old. For more details, please visit the conditions for NCD. To avoid this scenario, the rating system must be further refined. Again, every insurance provider is different so do read your policy carefully. In simple words, as a policyholder,. The maximum NCB applicable on car insurance is up to 50%. No-claims protection is an optional add-on to insurance premiums offered by some providers. Direct Line is promising to protect its customers' no-claims discount if their car is damaged by something that wasn't their fault such as a pothole - but don't assume you won't pay more in the long run. After 5th years. NCB is good news for drivers because it can save you money on car. Benefits of NCB in Health Insurance. Once logged in, click the ‘upload your documents’ button. You can then earn an additional year’s NCD for every year that no claim is made against your insurance policy. The no-claim bonus is a form of discount offered to the customers for not making a claim in the previous policy period. Based on 8 Ratings. This means that if you have a claim-free record for six years, you can. 4. The concept is simple: if you hold a car insurance policy and don’t make any claims during a specific period, you become eligible. A no-claims bonus is a discount on your car insurance premium that is based on the number of years you have gone without making a claim on your insurance. 4/5 stars in 2023, Allstate is a very reliable insurance company. 02/11/2023 8:20:24 PM. For all other contact numbers click here. If you have been abroad for more than 2 yearsIn some cases, you need to send the original document to your new insurer but in other cases, a photocopy will work. No Claims Discount Explained. For new customers NCB is based on years of driving experience. We calculate Your No Claim Bonus rating based on: Updated: 08 Sep 2022. Discover replies to frequently asked questions about no-claim discounts for. This bonus is reduced when you make a claim. Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. 1” was aggregated from the company’s performance across. The discount increases each year if you don't claim, up to a maximum number of years. Every insurer has a name for this: no claims discount (NCD), safe driver bonus, the list goes on. 2 The discount usually increases each year you don’t claim until it. At Budget Direct, the NCD is capped at 5 years. Typically, you earn one year. You must have earned a maximum no claims discount to add this cover. Contact America. $1,361. This can only be added at the inception of a new policy or when you are renewing. To get a no claim bonus, you usually need to have comprehensive car insurance. Auto-Owners Home Insurance Review 2023. A quick and easy way to buy and compare car insurance is via a comparison. But if you had to make a claim, your insurer might increase the premium to £1,800, meaning you would be paying £900. We do not offer direct consumer advice or services but we want to help you find what you're looking for in our contact directory. Ashish Singh Puna. The higher the number of claim-free years, the higher the discount. 2 years of claims-free driving: 15% NCD. Use a comparison site to check the difference in price for drivers with and without a no claims discount. For more information please see your Product Disclosure Statement (PDS) and our Premium, Excess and Discount. Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims discount in the event of a single claim. 25% Claim Free Privilege 1 is earned after you've. If you do not raise claims for five consecutive years, you gain a 50% discount on insurance premium. No Claim Bonus in car insurance is a discount on the payable premium. With Age Co Car Insurance, provided by LV=, you can add protected no claim discount to your policy as an option extra as long as. You’ll earn Apia’s highest “Protected for Life” no-claim bonus* after just three consecutive years of claims-free driving. So for every year you drive without making a claim, your NCD grows and you get more money off your insurance. Buildings insurance. If you have taken out comprehensive car insurance it will come with a no claim bonus, which is also known as a no claim discounts or rating scheme which gives you a discount every time you do not claim. No Claim Discount plays a big role in determining how much. You are ineligible for an NCB discount on the premium paid if you do not have a claim-free history when you acquire your first vehicle insurance policy. No excess or reduced excess on windscreen damage. It’s a reward system where your insurance will typically give you a discount on your policy for every claim-free year. You can build up this bonus for a maximum of 15 years. It can see you paying much less than you would otherwise. As a reward for not claiming on your insurance for five years, your insurer will apply a discount of 60% to your premium. If your business has paid at least three Work levy invoices, we may add you to the Experience Rating programme. It’s the same thing whether they call it a no-claims bonus or a no-claims discount. Existing Claims Discuss an ongoing claim: Webchat 0333 043 2022 claims@1stcentral. 20% 1 is the highest No Claim Bonus available when you get a new policy. Your NCB is shown on your certificate of insurance. Score: 5/5 ( 29 votes ) You can find out how many years of no-claims bonus you've accumulated on your car insurance renewal paperwork, on your cancellation letter, or a letter from your provider confirming your no-claims discount. Not only will you have to pay potentially hundreds of dollars more on your premium when you renew your policy, you will also have to. The no claims discount will not get impacted if the percentage of liability in the accident is less than 50%. The proof of your no claims discount is the number of policy years that you have had for the vehicle. You can get this information from your insurance broker or insurer. Click on Done after twice-examining all the data. The rate for private cars and motorcycles is not the same as those who own private cars can enjoy the highest rate of NCD, which is capped at 55%. 1. You have to pay for it, and the cost and number of times you can claim varies significantly across providers. As the table. The discount increases each year if you don't claim, up to a maximum number of years. If. When you renew your insurance and you want to move to a new motor insurance provider, the NCD database enables the new insurer to verify your no claims discount directly from the database. Every insurance company has a different approach to the discounts they offer, how long it takes to earn those discounts, or what happens to a driver's accumulated discount if they make a claim. Just follow these easy steps to do it online: 1: Head over to MyCarInfo. No Claim Discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. Meet Ours. The more consecutive years you remain claims-free, the bigger your discount. In fact, we don’t have a rating scheme, no claim discount or no claim bonus at all. The latter starts at 10% and gradually reaches a maximum of 30%. NCD60 provide drivers who have held NCD50 for the. Find answers to often asked questions about no-claim discounts for Comprehensive Car Insurance policies. Car insurance companies make money when you’re not filing. A No-Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. Existing Claims Discuss an ongoing claim: Webchat 0333 043 2022 claims@1stcentral. 16 $1,361. 25%. If your second year goes without any. Overall rating on TrustPilot was 4. A No Claims Bonus can only be used on one vehicle at a time. That's more expensive than the national average of $1,820 per year. Get owner NCD questions solved for Budget Direct. This is a one-time transfer and is non reversible. A no claims discount (also known as a safe driver reward, no claim bonus rating scheme or no claim bonus rating level) is a reward offered by some insurance providers to safe drivers. So the longer your drive without claiming, the more no claims discount you’re going to build up. Your NCD will be reduced to 0% when 2 (or more) claims are received under your policy in a policy term. You can accumulate up to 20 years of No Claims Discount (pro). Find answers to frequently asked questions about no-claim special for Comprehensive Motor Insurance policies. No Claim Discount plays a big role in determining how much you have to. Most car insurers provide discounts to student drivers who maintain good grades. 3 years of claims-free driving or longer: 20% NCD. A no-claims bonus (NCB) is a discount that your insurance company gives you for not claiming on your policy. A no-claims bonus is a yearly saving on your annual car insurance premium. Read more about NCD:A no claims bonus (NCB) is a great way to save money on your car insurance. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. . Your No Claim Discount is calculated on the number of years you have been driving and whether you have previously made any claims. It’s a way for insurers to acknowledge. Find out how to get no-claims bonus proof today. Find answers toward frequently asked questions about no-claim discounts for Comprehensive Car Insurance policies. No Claim Bonus (or NCB) is a deduction that's applied to your car insurance premium as a reward for your driving experience and claims history. Important. When you’re looking for a new car insurance policy, you can check how many years no claims bonus each insurer will take into account by using our free tool . A no claims bonus is the number of claim-free years that you have held an insurance policy in your own name, while a no claims discount is the reduction you. June 29, 2022 Carla. What this means is that if you make a claim as a result of an accident where you were at fault, your no-claim bonus will basically renew itself so you. If you had not protected you no claims bonus you would normally lose 2 years of your no claims bonus which with most companies would mean your no claims discount would reduce from 65% to 50%. A no-claims bonus (NCB), also known as a no-claims discount, is a discount on your car insurance premium based on your claims history. If you make a single claim or one arises against you during any period of insurance, we will reduce your No Claims Discount in the following intervals: - A 50% discount is reduced to 20%, - A 40% discount is reduced to 10%, - A 30% or less discount is reduced to 0%. 8/5 ( 36 votes ) Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. As mentioned earlier, State Farm is No. A no claims bonus example: If you have gained 2 years no claims bonus with a 40% discount on a policy that would have cost you £800, you would get a discount of £320 which means you will pay £580 for your cover. Most insurers cap your No Claims Discount at nine years. No Claims Discount Explained. Gets your NCD questions solved with Budget Guide. Description: The no-claim bonus is a reward to the vehicle owner for prudent use of the vehicle. When you drive without making a claim, you are proving to your insurance. Bonus usually is a discount in the premium which is given on the renewal of the policy if no claim is made in the previous year. It is in your interest to pay for your own damage if you want to keep your No Claim. 125 if you only. So if your annual premium was £1,500 and you had a No Claims Bonus discount of 50%, you would be paying £750. You can only use your no claims discount on one car insurance policy at a time. EMR is also referred to as a Mod-Factor or Mod-Rating, so depending on who you are. Simply put, a No Claims Bonus or NCB is a reward for good driving. Not only is it illegal, it also means you're not earning your No Claims Discount, which can represent HUGE savings in the long run. A certain amount is reduced as a discount by the insurance company during the time of renewal with no claim discount. For each year you drive without making a claim you receive a discount from the full-priced premium until it reaches a maximum discount (known as Rating 1). The longer you drive, without making a claim on your car insurance policy, the higher the rewards will be. No-claim bonus is a discount or benefit that insurers give policyholders on policy premiums at the time of policy renewal. 30% and under. For example, if you have been driving for four. You don’t have to pay a deductible for claims against another driver’s insurance. A discount ranging from 20-50 percent on. 2 Cars can actually save you $1000's of dollars and you may not even realize it. At Budget Direct, the NCD is capped at 5 years. (Ratings start at 6 and decrease for every consecutive year you don’t make a claim; the lower your rating, the bigger. The discount is usually worked out in terms of the number of years. No Claim Bonus. You do not claim for: Your renewal discount is: 1 year: 10%: 2 year: 15%: 3 years or more: 20%: Below – Only for Motorcycle and Only at some insurers like Directasia. Here are NerdWallet’s picks for the best car insurance companies in 2023: NJM: Best overall. Then try adding in no claims protection to the quote and comparing this again. Expert News. By contacting your existing insurer by phone, by post or online. Alternatively, if you’ve decided to switch insurers, you may find your no claims discount is on your cancellation letter. By paying a small amount of extra premium, you can make one claim during the year, and still have the discount fully protected. It is a reward to you for the cautious. Comprehensive Car Insurance. You may want to check with your previous or existing insurer on the NCD. 0. A no claims bonus, or, sometimes, a no claims discount, is a feature that is offered by a car insurance provider. It reduces the premium you have to pay for the following year. In fact, just one year's worth of no claims could be worth up to 30% off your premium. Legal liability for damage or loss to a third party. The Competition and Markets Authority (CMA) PNCD Information Order. 5 Things to Know About Sheilas’ Wheels. However, the percentage will reset to zero once you raise a claim. All up, the maximum discount for a good no-claim record could be 65%, or possibly even more. If no claim has been raised during the first year, the insurance provider will offer a 20% discount for the second year on the premium amount. In most developed countries, a car insurance system has a rating system that fines the policyholder responsible for one or more traffic accidents with an increase in the premium or a malus, and encourages. Find answers till frequently inquired questions nearly no-claim discounts for Comprehensive Car Insurance policies. Appreciating the diffence between a No Claim Bonus and a Cash Back Bonus. After the transfer, the NCD for your existing car insurance policy will become 0%. Find claims to frequently asked questions about no-claim retail for Comprehensive Car Insurance policies. Or rather, for not costing your insurer any money in payouts. It’s different for motorcyclists. No Claims Bonuses: Now you know! In summary, a No Claims Bonus is a reward feature that recognises safe driving – it gives you a discount on your insurance. The carrier has several decades worth of experience in the insurance industry, along with high ratings by AM Best and the BBB. Do you have a maximum no claim discount? Each year you hold car insurance and don't make a claim, your no claims discount rating goes up, making your car insurance premiums cheaper. The No Claim Bonus is a great way to progressively reduce your premium. This means that even if we have been safe drivers who have not made any claims for 10 years or more, we still only enjoy a maximum NCD of 50%. The amount of your insurance premium payable or saving is dependent on your NCD entitlement. But the biggest percentage discount is only worth having if the underlying price is right. On a premium of £250 this would probably increase your premium by upwards of £70. Find answers to frequently asked ask about no-claim discounts for Comprehensive Automobile Insurance policies. So, drive safely, build those claim-free years, and enjoy the savings. A no-claims bonus – also known as a no-claims discount – is a percentage discount that your insurer shaves off your insurance premium to reward you. How can I keep my Rating 1? Once you’ve not claimed for 5 years and achieved a Rating 1, you can then retain this discount by getting. This discount program is usually contained to the one car insurance provider, although some. no-claims bonus meaning: 1. The level of your discount is stated on your Certificate of Insurance. Allstate offers a discount of up to 20% for new customers who have no recent claims and switch to Allstate. You can check your NCD rate online instantly for free. failing to report an accident. Here’s a basic explanation of how No Claim Bonus is calculated. A no claims bonus, otherwise known as a no claims discount, is a discount program offered by some insurers who provide comprehensive car insurance to reward safe drivers’ good behaviour behind the wheel, using the no claim bonus rating system. Typically, the maximum NCD we can enjoy for our motor insurance is 50%. NCD is short for "No Claims Discount". Find answers to frequently wondered questions about no-claim discounts for Comprehensive Motor Insurance policies. Typical discounts (or add-ons) for each grade might be as follows; Grade 5 = +25%. NCD schemes—described variously by insurers as ‘no-claims bonus’, ‘no-claims discount’ and/or ‘ratings’ schemes—typically offer discounts to policyholders that increase for each consecutive claim-free insurance period up to a maximum discount off the premium, typically between 44% and 70%. Grade 4 = 0%. A No-Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. Getting a No Claim Bonus. Read our handy guide on all things NCB,. It must show the No Claims Discount in. Some insurers offer protected discount policies which allow customers to make a. It’s basically a reward for you being a careful driver. So the more claim-free years you have, the lower your price will be. 4 Star. 5. e. 25%. 1 out of 10. A No Claims Bonus for auto insurance offers you a discount off of your physical damage premium for not presenting any claims. The Concept of No Claim Bonus in Health Insurance. This is usually measured via ratings, with Rating 1 being the maximum possible discount available. Click here to download the Transfer No Claim Discount form. A No Claim Discount (NCD) is a discount on your car insurance premium if you haven't made any claims on your policy during the current period of insurance. 5% of your policy premium. This section shows the no claims discount allowed. When you take out a new car insurance policy, you will always be asked if you have any claim-free years. The amount of discount varies between providers but for one year you could expect around a 25% discount. As per the UAE Insurance Authority, an insured that has not made any claim for 1 to 3 years is allowed for a discount between 10% and 20 % while renewing their car insurance in Dubai. This drops to £310. The No Claim Bonus/Discount (abbreviated as NCB/NCD) is a reward system where drivers (i. A no claims bonus is when your insurance provider offers you a bonus in the form of a reduction on your monthly/annual fee if you don’t make a car insurance claim over a certain period. Of course, if you have an unlucky year and make 2 or 3 claims, you can lose a 10 year no claims bonus altogether. If you need to show your good driving record for CTP. Budget Insurance’s Mirrored No Claims Discount is different, offering customers the opportunity to be rewarded for safe driving. Protected no claim discount is one of the optional extras you can add to your LV= car insurance policy or select when you get a car quote online. No Claim Discount (commonly abbreviated to NCD) is a type of motor insurance discount given to you: for not making any insurance claim (being a safe driver) in the past 12 months AND. A maximum of 50% discount on the premium to be availed in case you don't make a claim. Car accident and collision damage. If it's less than $10,000 your business will be in our No Claims Discount programme. The customer’s policy details for the last time they held. As the table below shows, a 40% discount on a £500 premium will see you paying more than a 30% discount on a £400 premium. This means that you’ll benefit from a reduction in the cost of your policy for every year you remain claim-free. Understanding the Experience Rating programme. 40%. 2) the number of years you have held your driver's licence without making a claim. Your no claims discount builds up with each claim-free year, so the longer you go claim-free the bigger your discount will be. Getting a No Claim Bonus. but how do you know if you have a rating discount? User #16579 13175. Gap insurance and new car replacement coverage are available. How can I keep my Rating 1? Once you’ve not claimed for 5 years and achieved a Rating 1, you can then retain this discount by getting NCD Protection. A no-claims bonus, or NCB, is an easy way to get discounted car insurance. A no claims discount, or no claim bonus, is a cost reduction applied to your car insurance premium when you haven’t made any claims. This is your insurer's way of recognising and rewarding you for having been a careful driver. Car insurance prices in most states reflect these differences. Volunteers of America Car Insurance Discount for 2023. For Car Insurance Customers. Your age, sex and marital status. Look out for an email or letter confirming that your new insurer has received the proof and will apply your no claims discount. No claims bonus (NCB), signifies the time period/number of years in which the policyholder hasn't made an insurance claim on his/her car insurance policy. This means that even if we have been safe drivers who have not made any claims for 10 years or more, we still only enjoy a maximum NCD of 50%. Key in your vehicle plate number and NRIC. Compare Auto-Owners 2023 homeowners insurance rates, coverage, discounts and customer experience with the company's competitors in this review. Read Allstate reviews, complaints and prices before you buy. Rating one protection can be offered s soon as you have a rating 1. Get your NCD questions resolved with Budget Direct. For more information please see your Product Disclosure Statement (PDS) and our Premium, Excess and. So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years. No Claim Discount, commonly referred as NCD is a vital part of your car Insurance. John Lewis Car Insurance is underwritten by Covea Insurance plc. This builds up every year, and could end up giving you as much as 60% off your car insurance. Dodgy and arrogant. Scenario 2: When a claim is. On each renewal, your discount will increase providing you haven’t made any claims that affect your NCB. If you’ve been driving for five years and haven’t made a claim on your car insurance, you’ll earn five years no claims discount. The "No-Claims Discount System" (in the UK, Australia*, etc. The NCB is a discount ranging between 20%-50% and is given to the insured while renewing a policy. From the cancellation letter you receive when you switch to a new provider. It's also above the. Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by: One claim made during the current period of cover, or by; Two claims arising in the three preceding years of insurance; You will cease to be eligible for the benefit if claims exceed the above number. SF class 0. The Cost of Insurance The price we quote for insurance is at our sole and unrestricted discretion. This is compared to having no discount at all. NCD Protection does not protect the overall price of your car insurance policy. We’ll try to answer your questions here, but please get i. If the no claims bonus is over two years, unless referred to the insurance company, the no claims discount will need amended to 0 years for the cover to remain in place. This can result in significant savings over time. (Ratings start at 6 and decrease for every consecutive year you don’t make a claim; the lower your rating, the bigger your discount. 10%. Most firms offer a maximum NCD of 70%, although some offer 75% or 80%. I had done a little shopping around and it was actually cheaper for me to go with a company and disregard my previous history in Oz which is a shame. 2/5 (17 votes) . Claims-free discount: If you’ve been claims-free on your home policy for at least five years, USAA extends a 10%. . No Claim Discount (commonly abbreviated to NCD) is a type of motor insurance discount given to you: for not making any insurance claim (being a safe driver) in the past 12 months AND. It is one of the many optional add on’s we provide for your car or van policy. No claims discount protection typically means a policyholder can make a claim on their car insurance, if they need to, without losing their no claims discount altogether. This is your insurer's way of recognising and rewarding you for having been a careful driver. AAMI’s Comprehensive Car Insurance policy also includes cover for accidental damage to your vehicle, as well as after accident care. The amount of no claims bonus you get depends on the number of years you’ve been driving without making a claim on your insurance. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. No Claims Discounts are an insurers way of rewarding you for being a careful driver. A No Claims Discount, also known as a No Claims Bonus, is a reward given to policyholders who have not made a claim on their car insurance within a certain. This can be your renewal invitation or a letter from your previous insurer and should: Be on official company headed paper. As you increase your number of claim-free years, your discount also increases until it reaches the maximum discount, also known as a 'Rating 1'. Some new carriers will want proof of no-claims discount from your prior provider, however they will notify you if this is the case. How much discount is 1 years no claims? The amount of discount earned increases with each year of claim-free driving. Our. No claims discount Annual home insurance cost* Discount compared to 0 years NCD; 0. You may still be entitled to a NCD even if you have made a claim, provided you are not liable for the accident. Rating 1 protection is usually a paid option that allows you to make 1 at fault claim without losing your rating 1. Fill out the blank areas; engaged parties names, places of residence and phone numbers etc. With 4. A No Claims Discount (NCD, otherwise known as a No Claims Bonus) is a discount offered by some insurers to reward good driving behaviour. No Claims Bonus is awarded to drivers who complete a year or more without making any claims on their insurance policies. List of 60% to 90% VA rating benefits. When switching car insurance providers, you will often need to provide proof of any no-claims bonus. It is possible to protect your no-claims discount but it comes at an additional cost, typically between 5-10% of your car insurance policy premium. Your NCD is protected so your discount remains at 65%. After you key in the details, you’ll be able to check the information below: i. It’s basically a reward from your insurer to you for good driving. A no-claims discount builds up over time - the longer you go without making a claim, the more your discount will be. The Accident-Free Discount is different from a No Claim Car Insurance Bonus because it applies strictly to accidents and not claims. Some may even let you input 25 or more years when comparing the market. Access to the database can be at point of quote, point of sale or post sale, for the purposes of data enrichment or data validation. If you have not made claims for one year, you can obtain a 20% NCB if. Several governments across the globe have introduced no-claims discount (NCD) schemes with some co-ordination at a national level, aiming to promote sensible driving behaviour and reduce the number of. The discount may be higher if your no claims discount was protected or if the incident had no impact on your no claims discount.