Claim Date vs Incident Date - NCR

I lodged a claim on 3 July 2015 and the advisor who took my call was Thabile Ntshobeni. Initially, I was pleased at the way the telephone conversation went. I knew that I would get my NCR on 29 July as per communication from Iwyze because of the anniversary of my policy which was 24 June 2015. This happens because I did not claim within 3years since inception. According to my policy schedule, I should not claim before 24 June 2015 otherwise, I will not qualify for my NCR. So I claim on 3 July 2015 but the incident date is 23 June, 1 day before my anniversary date. The claim was also a windscreen claim and needed to be replaced and not repaired. <br> Now, Thabile do not advise me that I will lose my NCR since I'm claiming for the windscreen. <br> If she told me that, I would have not proceeded with the claim because everybody looks forward to their NCR especially for good behavior. <br> If I knew that the NCR goes with one's Incident Date and not Claim date as per my policy contract, I would have waited until after I get my NCR to register the claim and if I had to pay excess, I would have used that money. I was looking forward to my NCR which I obviously didn't get. Very disappointed......