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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.

This is subject to NCD being a factor considered when determining the premium you pay.

Important: We plan to stop using NCD in the future. This means that your NCD is not guaranteed to apply to future policy renewals.

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

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