No-claim discounts
Budget Direct is discontinuing the No Claim Discount (NCD)
We have heard from our customers that No Claim Discount (NCD) can be confusing. To make things simpler, we have discontinued using NCD as a factor when determining premiums. This applies for new policies quoted on or after 11 December 2025 and for renewing policies with a renewal date on or after 18 January 2026
What does this mean for you?
This means that your NCD will not apply to future policy renewals.
Any Questions?
If you have any questions or concerns about this change, please contact us here.
What is an at fault car insurance claim?
Budget Direct defines an ‘at fault claim’ as any claim that cannot be recovered from another party, either in part or in full, such as:
- an accident where, given all available evidence, it is reasonable for us to decide the driver of the Budget Direct-insured car is partially or entirely at fault
- an accident where, given all available evidence, it is reasonable for us to decide the driver of the other vehicle or another person is entirely at fault but you cannot tell us, or we cannot obtain, their full name, residential address and vehicle registration number
- theft, attempted, theft or a malicious act
- storm, wind or hail
- fire
- an accident involving an animal.
