Our No Claims Discount

Understanding your No Claims Discount

In a nutshell, as long as you don’t make a claim during your annual policy cover, we’ll include your No Claims Discount when it’s time to renew your insurance.

Depending on what type of cover you have, you may not lose your no claims discount. To find out more, take a look at the tables below:

Your no claims discount won’t be affected if:

You’ve made a claim for a damaged windscreen or window glass under Section C or for replacement locks under Section D of the policy; or,
All our costs are recovered from a third party;
You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured. See page 18 of the Ageas Private Car policy booklet for more details.

All other claims will impact your No Claim Discount as follows:

Ageas Private Car with protection

_{No Claim Discount years prior to renewal}	_{Number of claims in previous 2 years}	_{Number of claims in current insurance year}	_{Years No Claim Discount at next renewal}
_{5+ protected}	₀	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₁	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₀	₁	_{5+ years, protection available}
_{5+ protected}	₁	₁	_{5+ years, protection available}
_{5+ protected}	₀	₂	_{5+ years, protection available}
_{5+ protected}	₁	₂	_{3 years}
_{5+ protected}	₀	₃	_{3 years}
_{5+ protected}	₁	₃	_{1 years}
_{5+ protected}	₀	₄	_{1 years}
_{5+ protected}	₁	₄	_{0 years}
_{4 Years protected}	₀	₀	_{5 years, protection available}
_{4 Years protected}	₁	₀	_{5 years, protection available}
_{4 Years protected}	₀	₁	_{4 years, protection available}
_{4 Years protected}	₁	₁	_{4 years, protection available}
_{4 Years protected}	₀	₂	_{4 years, protection available}
_{4 Years protected}	₁	₂	_{2 years}
_{4 Years protected}	₀	₃	_{2 years}
_{4 Years protected}	₁	₃	_{0 years}

Ageas Private Car with no protection

_{No Claim Discount years prior to renewal}	_{No Claim Discount years allowed after}
	_{1 claim}	_{2 claims}
_{0 years}	_{0 years}	_{0 years}
_{1 year}	_{0 years}	_{0 years}
_{2 years}	_{0 years}	_{0 years}
_{3 years}	_{1 year}	_{0 years}
_{4 years}	_{2 years}	_{0 years}
_{5+ years}	_{3 years}	_{1 year}

Your no claims discount won’t be affected if:

You’ve made a claim for a damaged windscreen or window glass under Section C or for replacement locks under Section D of the policy; or,
All our costs are recovered from a third party;
You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured. See page 22 of the Ageas Commercial Vehicle policy booklet for more details.

All other claims will impact your No Claim Discount as follows:

Ageas Commercial Vehicle with protection

_{No Claim Discount years prior to renewal}	_{Number of claims in previous 2 years}	_{Number of claims in current insurance year}	_{Years No Claim Discount at next renewal}
_{5+ protected}	₀	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₁	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₀	₁	_{5+ years, protection available}
_{5+ protected}	₁	₁	_{5+ years, protection available}
_{5+ protected}	₀	₂	_{5+ years, protection available}
_{5+ protected}	₁	₂	_{3 years}
_{5+ protected}	₀	₃	_{3 years}
_{5+ protected}	₁	₃	_{1 years}
_{5+ protected}	₀	₄	_{1 years}
_{5+ protected}	₁	₄	_{0 years}
_{4 Years protected}	₀	₀	_{5 years, protection available}
_{4 Years protected}	₁	₀	_{5 years, protection available}
_{4 Years protected}	₀	₁	_{4 years, protection available}
_{4 Years protected}	₁	₁	_{4 years, protection available}
_{4 Years protected}	₀	₂	_{4 years, protection available}
_{4 Years protected}	₁	₂	_{2 years}
_{4 Years protected}	₀	₃	_{2 years}
_{4 Years protected}	₁	₃	_{0 years}

Ageas Commercial Vehicle with no protection

_{No Claim Discount years prior to renewal}	_{No Claim Discount years allowed after}
	_{1 claim}	_{2 claims}
_{0 years}	_{0 years}	_{0 years}
_{1 year}	_{0 years}	_{0 years}
_{2 years}	_{0 years}	_{0 years}
_{3 years}	_{1 year}	_{0 years}
_{4 years}	_{2 years}	_{0 years}
_{5+ years}	_{3 years}	_{1 year}

Your no claims discount won’t be affected if:

You’ve made a claim for a damaged windscreen or window glass under Section C or for replacement locks under Section D of the policy; or,
All our costs are recovered from a third party;
You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured. See page 25 of your policy booklet for more details.

All other claims will impact your No Claim Discount as follows:

Ageas Direct Car with protection

_{No Claim Discount years prior to renewal}	_{Number of claims in previous 2 years}	_{Number of claims in current insurance year}	_{Years No Claim Discount at next renewal}
_{5+ protected}	₀	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₁	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₀	₁	_{5+ years, protection available}
_{5+ protected}	₁	₁	_{5+ years, protection available}
_{5+ protected}	₀	₂	_{5+ years, protection available}
_{5+ protected}	₁	₂	_{3 years}
_{5+ protected}	₀	₃	_{3 years}
_{5+ protected}	₁	₃	_{1 years}
_{5+ protected}	₀	₄	_{1 years}
_{5+ protected}	₁	₄	_{0 years}
_{4 Years protected}	₀	₀	_{5 years, protection available}
_{4 Years protected}	₁	₀	_{5 years, protection available}
_{4 Years protected}	₀	₁	_{4 years, protection available}
_{4 Years protected}	₁	₁	_{4 years, protection available}
_{4 Years protected}	₀	₂	_{4 years, protection available}
_{4 Years protected}	₁	₂	_{2 years}
_{4 Years protected}	₀	₃	_{2 years}
_{4 Years protected}	₁	₃	_{0 years}

Ageas Direct Car without protection

_{No Claim Discount years prior to renewal}	_{No Claim Discount years allowed after}
	_{1 claim}	_{2 claims}
_{0 years}	_{0 years}	_{0 years}
_{1 year}	_{0 years}	_{0 years}
_{2 years}	_{0 years}	_{0 years}
_{3 years}	_{1 year}	_{0 years}
_{4 years}	_{2 years}	_{0 years}
_{5+ years}	_{3 years}	_{1 year}

Your no claims discount won’t be affected if:

You’ve made a claim for a damaged windscreen or window glass under Section C or for replacement locks under Section D of the policy; or,
All our costs are recovered from a third party;
You have comprehensive cover and make a claim for an accident that’s not your fault and the driver of the vehicle that hit your car is identified and uninsured. See page 23 of the Ageas Direct Van policy booklet for more details.

All other claims will impact your No Claim Discount as follows:

Ageas Direct Van with protection

_{No Claim Discount years prior to renewal}	_{Number of claims in previous 2 years}	_{Number of claims in current insurance year}	_{Years No Claim Discount at next renewal}
_{5+ protected}	₀	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₁	0	_{Increases by 1 year up to a maximum of 9, protection available}
_{5+ protected}	₀	₁	_{5+ years, protection available}
_{5+ protected}	₁	₁	_{5+ years, protection available}
_{5+ protected}	₀	₂	_{5+ years, protection available}
_{5+ protected}	₁	₂	_{3 years}
_{5+ protected}	₀	₃	_{3 years}
_{5+ protected}	₁	₃	_{1 years}
_{5+ protected}	₀	₄	_{1 years}
_{5+ protected}	₁	₄	_{0 years}
_{4 Years protected}	₀	₀	_{5 years, protection available}
_{4 Years protected}	₁	₀	_{5 years, protection available}
_{4 Years protected}	₀	₁	_{4 years, protection available}
_{4 Years protected}	₁	₁	_{4 years, protection available}
_{4 Years protected}	₀	₂	_{4 years, protection available}
_{4 Years protected}	₁	₂	_{2 years}
_{4 Years protected}	₀	₃	_{2 years}
_{4 Years protected}	₁	₃	_{0 years}

Ageas Direct Van without protection

_{No Claim Discount years prior to renewal}	_{No Claim Discount years allowed after}
	_{1 claim}	_{2 claims}
_{0 years}	_{0 years}	_{0 years}
_{1 year}	_{0 years}	_{0 years}
_{2 years}	_{0 years}	_{0 years}
_{3 years}	_{1 year}	_{0 years}
_{4+ years}	_{2 years}	_{0 years}