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.

Where can I get proof of my no claims bonus from?

Your last insurer will provide your no claims bonus proof. This information is usually included in their renewal notice, so check there first. If you can’t find it, you can request written proof of your no-claims bonus from them.

What does my proof of no claims bonus need to include?

Your proof of no-claims discount should include the name of the policy holder; the policy cancellation date; the number of years of no-claims; the insurer name and logo, the policy number and the registration number of the vehicle the bonus was gained on. The expiry date for your no-claims discount shouldn’t be longer than 2 years ago. Make sure that any scans or copies you send to us clearly display all this information, or we may not be able to accept it.

The no claims discount must have been earned in the UK on a car policy in your own name, not as a named driver or on a company policy.

Will claiming for an accident affect my no claims discount?

Whether your no claims discount will be affected depends on the circumstances of the accident. If an accident was caused by another party, and their insurer accepts full liability, then the accident won’t 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 won’t 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 weren’t at fault.

 

Keywords: NCD, NCB, no claims bonus, claim, car accident, protection

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