What happens to NCD following fault claim?

[JQ]

What actually happens to NCD following a fault claim where the NCD is NOT protected?

It seems to be regularly mentioned on here that if you have say 10yrs NCD and make a claim your NCD reduces to 8 years. Is that actually the case or does it really just drop to zero?

[R60EST]

The ncd from an insurers perspective stops at 5 yrs. You lose 2 years for a claim . If you had 10 years claim free it would still drop to 3 after a claim.

[xRIEx]

R60EST said:

The ncd from an insurers perspective stops at 5 yrs.

This varies by insurer, it could be anything between 4 and 7 years.

[JQ]

Cheers. That makes far more sense.