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What is a No Claim Discount?

A no-claim discount (NCD) is a discount on your Comprehensive Car Insurance premium that increases each year you don’t make an at-fault claim (it’s also sometimes called a no-claim bonus or no-claims entitlement). The more consecutive years you’re insured and remain claim-free, the bigger your discount.

Our NCD is capped at 5 years. When you reach this ceiling, we apply the maximum no-claim discount (Rating 1). Ratings start at 6 and decrease for every consecutive year you don’t make a claim. The lower your rating, the bigger your discount.

Full details on how your No Claims Discount works is available in our Car Insurance Premium, Excess and Discount Guide.

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