Ans. Generally, if a claim is made against your policy, your No Claim Discount will be affected.  It is a ‘No Claim’ Discount and not a ‘No Blame’ Discount. Your No Claim Discount however will be reinstated if recovery is successful. JNGI also has Motor policies that offer an Accident Forgiveness benefit which would cause your No Claim Discount to remain unaffected even if you have had an accident; this is subject to conditions of the specific policy.