Direct Line Home Insurance No Claims Changed to "Claims Free Years"....HELP

Soo some changes are afoot at Direct Line!

I have noticed as I do like to read through things, is in the small print they have now changed "No Claims Discount" to "Claims Free Years". Which according to them means, on the old wording, if you had 5 years No Claims and then made a claim, you'd lose 2 years, resulting in 3 years remaining NCD.

However, If you now make a claim under the new term "Claim Free Years", this is what would result.

For example. 5 years claim free, and you then make 1 claim. Would mean you would then have ZERO! Claim free years! So basically as far as I can tell wiping out your entire NCD in one fell swoop!

I dont think im reading things wrong..

Please tell me im wrong, this seems so unfair they are able to do this? Obviously its to stop people making any claims, for risk of losing the entirety of their No claims, but seems really poor to penalise the people who have to, not want to make a claim.

Sorry if this isn't the right place for this.