What is a No Claim Discount (NCD) and how does it affect my car insurance premiums?

A No Claim Discount or Bonus is a discount on your car insurance premium.

Your NCD is calculated based on your years of driving experience and your claims record. As you gain more years of claim-free driving experience you receive a greater discount on the full priced premium, until you reach the maximum discount (Rating 1).

This is because we believe you are less likely to make a claim than a less experienced driver.

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1300 Insurance's car and home and contents insurance is offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) as an Authorised Representative of Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). Auto & General Services arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statement and Financial Services Guide before making a decision to buy insurance. Not available in NT.