If you are at NCD 30% or NCD 40% under Comprehensive cover, we offer an optional NCD protector where your NCD will not be penalised as long as you do not have two or more at-fault claims in one policy year. If you are at NCD 50% under Comprehensive cover, you automatically receive our Lifetime NCD where regardless of the number of at-fault claims you’ll retain your 50% NCD as long as you renew with us.