Direct Line reveals new car insurance policy that means you won’t lose your no claims discount if damage isn’t your fault
Losing your no claims discount can be almost as costly as damage done to your car - but this is how you can make an insurance claim without being forced to lose your benefit
FEW things are more frustrating for a driver than losing your no claims discount because someone else has damaged your car.
But a new insurance policy now means that drivers can still make an claim without losing their benefit - as long as the incident isn't their fault.
Car insurance provider recently announced changes to their standard comprehensive insurance policies that will allow drivers to make a claim and still keep their NCD.
From damage caused by potholes and wild animals to the car being stolen or flooded, drivers will be more covered to make a claim if the damage isn't their fault.
Motorists can even make a claim to cover damage incurred while their car is parked, or as a result of being hit by an object or debris - but not including another car.
When making a claim, you will still need to pay any excess included in your policy, but you'll keep your NCD and your next premium won't be affected.
Incidents that won't affect your No Claims Discount (NCD) with a Direct Line policy
- Damage caused by potholes or poor road maintenance
- Fire and/or theft (both contents and the car itself)
- Hit whilst parked
- Flood
- Hit or hit by a wild or domestic animal
- Hit by object or debris (excluding vehicles)
Everything you need to know about car insurance
Rob Miles, Director of motor insurance at Direct Line, said: “We understood the frustration when our customers had to make a claim when it's no fault of their own and there was not a third party to claim against.
"Then to add further to their annoyance and sense of injustice, they’d lose all or part of their No Claims Discount.
"However, with these changes to our comprehensive motor insurance policy, this won’t happen anymore, and while we can’t prevent these incidents occurring, we are able to lead the way in making insurance easier and better value for customers."