Will I lose my No Claim Discount if I have a car accident?

You can protect your Rating 1 (maximum No Claim Discount (NCD)) by selecting our NCD protection option. This allows you to have one car insurance claim per 12-month period, or up to 2 claims in 3 years, without affecting your rating.

If you have NCD protection while holding your 1300 Insurance car insurance policy for 2 consecutive claim-free years, you will qualify for a Rating 1 for life. This means that any future car insurance claims will have no effect on your NCD for as long as you have NCD protection.

You will not lose any of your NCD following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal if you do not have NCD protection.

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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.