The best thing to do is call the claims department and get them to confirm the scales.

The scale of discounts for Direct Line is as follows: · One year - 30% · Two years – 40% · Three years – 50% · Four years – 60% · Five years – 65% · Five years + and p/h aged over 50 – 70% This means if you have been claim free for 10 years you will be entitled to 70% discount. You will loose 2 yrs ncb per claim you make. example if you have 70% (5 years or more) discount and make a fault claim, you will have 50% (3 yrs) discount at renewal. The cost of the claim does not make a difference at all. After 4 years, you can protect your NCD for a small extra premium. You can make 1 claim in any year or 2 claims in any 3 year period, and you won't lose your ncb.