Flow Car Insurance FAQs

Will my no claim discount (NCD) be affected if I made a claim in the last 12 months?

It depends what you're claiming for and if you opted for Protected NCD (PNCD).

Whether you made just one claim or multiple claims, if you have Protected NCD, you won’t lose your discount.

If you didn’t protect your NCD, your discount will be reduced in line with our step back rules which you’ll find in your car insurance policy document.

If you were involved in an accident that wasn't your fault and we recovered the cost from the at-fault insurer, your NCD won't be affected.

There are some other instances where a claim won't have affected your NCD. For example, you'll have paid an excess for getting a chipped windscreen sorted but you won't lose any of your NCD. It’s worth remembering that even if you have PNCD and make a claim (whether fault or non-fault), your premium can still increase at renewal.