You can ensure that your Rating 1 (maximum No Claims Discount) is protected by selecting our NCD protection option. This will allow you to have 1 car insurance claim per 12-month period of having an ibuyeco car insurance policy, or up to 2 claims in 3 years without affecting your Rating 1.

Furthermore, if you have NCD protection with us for 2 consecutive claim free years, you will qualify for our Rating 1 for life feature. (Which means all car insurance claims have no effect on your NCD for as long as you have NCD protection). You will not lose any NCD on renewal following a window glass claim, or if the other party in an accident is entirely at fault and that driver is identified to us. For other claims, your NCD may be reduced at renewal.