Menu Close

Understanding Hastings Direct No Claims Discount (NCD)

No Claims Discount (NCD), also known as No Claims Bonus, is a significant aspect of any car insurance policy, including those offered by Hastings Direct. It’s a reward system for safe drivers, offering a discount on the renewal premium if no claim is made during the policy period. This article provides a comprehensive understanding of the No Claims Discount as it applies to Hastings Direct car insurance policies.

  • The No Claims Discount is a reward for safe driving.
  • If no claim is made during the period of cover, a discount is applied at renewal.
  • However, a non-recoverable claim can reduce the NCD at the next renewal.

Protection of No Claims Discount:

Hastings Direct offers the option to protect your No Claims Discount. If you’ve chosen to protect your no-claims discount, this will be shown on your schedule of insurance. It’s important to note that No Claims Discount protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

  • If chosen, this will be shown on the schedule of insurance.
  • It does not protect the overall price of the insurance policy.
  • The price of the insurance policy may increase following an accident even if not at fault.

No Claims Discount for Multi Car Account:

For those who have multiple cars insured under a Multi Car Account, Hastings Direct offers a unique benefit. Each policyholder earns their own No Claims Discount, on each car insured. This means that each driver’s good driving record is recognized individually, leading to potential savings on premiums. However, the No Claims Discount is not transferable to any other person.

  • For Multi Car Accounts, NCD is earned separately by each policyholder, on each car insured.
  • It is not transferable to any other person.

Uninsured Driver Promise:

Hastings Direct offers an uninsured driver promise. This means that if you’re involved in an accident that isn’t your fault and the driver of the other vehicle doesn’t have motor insurance, you won’t lose your No Claims Discount and you won’t have to pay any excesses.

  • Hastings Direct offers an uninsured driver promise.
  • If you’re involved in an accident that isn’t your fault and the driver of the vehicle that hits you doesn’t have motor insurance, you won’t lose your no claims discount.
  • You also won’t have to pay any excesses.

Vandalism Promise:

Hastings Direct also provides a vandalism promise. If you make a claim for your car as a result of vandalism that is a malicious and deliberate act, your insurer promises you won’t lose your No Claims Discount. However, you must pay the excesses, report the incident to the police, and send your insurer your crime reference number.

  • There’s also a vandalism promise.
  • If you make a claim for your car as a result of vandalism which is a malicious and deliberate act, your insurer promises you won’t lose your no claims discount.
  • However, you must pay the excesses, report the incident to the police, and send your insurer your crime reference number.

Related Posts

Leave a Reply

Your email address will not be published. Required fields are marked *