Zurich car insurance includes Stepback Protection as standard on all policies. This means that if you have a claim under a section that does affect your No Claims Discount, instead of your discount going back to zero, it will only be stepped back by two levels. For example, if you were availing of the full 55% discount and have a claim, you will be stepped back to 35% at your next renewal.
Only your ‘earned’ No Claims Discount is protected by Stepback Protection. If you have been allowed any other discount instead of or to supplement a No Claims Discount, then that will be removed should a claim occur.