No Claims Discount

If you'd like to know your current No Claims Discount entitlement or if you need us to send you your proof of No Claims Discount please refer to our Documents page.

Will claiming for an accident affect my No Claims Discount?

That depends on the circumstances of the accident. If an accident was caused by another party, and their insurer accepts full liability, then the accident will not affect your No Claims Discount once the claim is closed and the full costs of the claim have been recovered. If the insurers settle the claim on a partial liability basis i.e. both insurers pay part of each drivers claim, then this would result in a reduction of your No Claims Discount.

If an accident was your fault, and your insurer agrees to accept full liability, again this will reduce your No Claims Discount. If your No Claims Discount is reduced, this will occur at the next policy renewal date, and will not result in increased premiums midterm.

No Claims Discount Protection

No Claims Discount protection allows you to make one or more claims before your number of No Claims Discount year’s is affected. This does not protect the overall price of your insurance policy as this may increase when it comes to renewal following an accident even if you were not at fault.

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