Esure is replacing its standard no claim discount protection with ‘protection for life’ at no extra cost. This enables both new and existing esure car insurance customers to protect their no claim discount level for the life of their policy, regardless of the claims made.

Esure says many drivers don't understand that paying to protect their no claim discount often comes with certain caveats and they are not always as protected as they might think.  It says research found that 37% of drivers are not aware that there is usually a set limit to the number of claims they can make on their policy before their discount protection is overridden. Some insurers may also only allow one ‘at fault' claim in the first year and no more than two over three years.

"Our ‘protection for life' will give peace of mind to drivers with us…their protected no claim discount level remains safe even if they're unlucky enough to suffer more than the occasional claim,” comments Mike Pickard, Head of Risk and Underwriting at esure. "Drivers should check the small print for the no claim discount protection of their current policy to see how protected they would actually be if the unexpected did happen.  We believe that safe drivers who have earned their maximum no claim discount from driving claim free deserve to be fully protected."