Introduction
NCD (No-Claim Discount) is one of the most valuable benefits for car owners. Losing it can significantly increase your premiums the following year. Many drivers panic after a crash, worried their NCD will drop — even if the accident wasn’t their fault. This guide explains exactly how to make an insurance claim correctly so Accident But NCD Doesn’t Drop becomes possible. You’ll learn when to use a third-party claim, what evidence you need, and the key steps to take before and after an accident to protect your discount.
1. Understand How NCD Works
NCD is calculated based on your car’s claim history. If no claims are made, your discount increases each year. However, if you claim under a comprehensive policy (1st party), your NCD usually decreases according to the schedule.
Important note: Accidents that aren’t your fault can still preserve your NCD if claimed via a third party (third-party claim) or with a special endorsement.
2. When Your NCD Won’t Drop
Situations where your NCD stays safe include:
- Claiming through a third party for damage caused by someone else
- Accidents that aren’t your fault, with clear evidence supported by a police report
- Policies with endorsements protecting NCD
If you claim under your own comprehensive policy without a third-party cause, your NCD will usually drop, even if repair costs are fully covered.
3. Steps for a Third-Party Claim to Protect NCD
To prevent your NCD from dropping:
- File a police report within 24 hours of the accident
- Take photos of the damage, location, and the other vehicle’s plate number
- Contact your insurer to submit a third-party claim
- Ensure the adjuster and panel workshop verify the damage
- Monitor the claim status until completion and keep all documents for reference
Using a third-party claim ensures your NCD remains safe, even if repair costs are covered by someone else.
4. Extra Tips to Protect NCD
- Do not repair your car before the claim is approved
- Choose a panel workshop recognized by your insurer
- Ensure the police report is complete and the cause of damage is clear
- Keep all evidence, including photos and workshop reports
- Understand your policy and any endorsements protecting NCD
Following these steps minimizes the risk of losing your NCD, even if the accident wasn’t your fault.
Conclusion
NCD is a powerful way to save on insurance premiums every year. With the right steps — including choosing a third-party claim when applicable and preparing proper documentation — you can ensure Accident But NCD Doesn’t Drop even when the situation is stressful. Acting quickly, following the procedure, and understanding your policy helps you avoid long-term financial loss and keeps your premium low for the next renewal.
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