A no-claims discount rewards claim-free years. In the UAE it commonly reaches 20% after three clear years, though the scale varies by insurer.
It is not automatic when you switch
Insurers will ask for evidence – usually a letter from your previous insurer confirming the claim-free period. Request it before your policy lapses; it is much harder afterwards.
One small claim can cost more than it pays
Before claiming for minor damage, weigh the repair cost against losing the discount for several years. We can run that comparison for you.
Protected NCD
Some insurers offer to protect the discount for an extra premium. Worth it if you are at the top of the scale.