NCD stands for no claim discount. it means you will be entitled to the discount as long you dont claim your own insurance for that particular year.
When you buy a new car , you will not entitle to any NCD however if you dont get involved in accident in the first year then you will be entitled for NCD on the next year.
below is the rate of NCD that you are entitled over the years
First Year – 0%
Second Year – 25%
Third Year – 30%
Forth Year – 38.33%
Firth Year – 45%
Onward – 55%
the easiest way to check your ncd is using this website .