At NCD 20%, you will be entitled to our Lifetime NCD Guarantee, and your NCD will not be penalised for at-fault claims. More details on Lifetime NCD Guarantee and NCD Protector can be found in the policy wording. If your NCD is currently not at 20% and there is one or more at-fault claims in a year, your NCD will go down to zero. Please also note that if you make a late report or did not report an accident, your NCD will go down by a maximum of 10% regardless of who is at-fault.