At NCD 50% under Comprehensive cover, you will be entitled to our Lifetime NCD Guarantee, and your NCD will not be penalised for at-fault claims as long as you stay with us. We also offer a NCD Protector add-on if you are at NCD 30% or 40% under Comprehensive cover. More details on Lifetime NCD Guarantee and NCD Protector can be found in the contract . If you do not have any claims during one policy year, your NCD will go up by 10% and for every claim as a result of you being at-fault, your NCD will go down by 30% if you do not have Lifetime NCD Guarantee or NCD Protector. If you make a late report or did not report an accident, your NCD will go down by at least 10% regardless of who is at-fault.