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No Claim Discount

70% No Claim Discount for 5 or more claim-free years

If you buy your car insurance with us, there’s a range of discounts you can get on a basic premium. 

We’ll need to see evidence of your No Claim Discount in writing. We can accept a renewal invitation, a letter or an email as proof, as long as it’s from your previous UK, Channel Island or Isle of Man insurer.

Scale of discounts

Claim-free years Discount
1 claim-free year
50%
2 claim-free years 60%
3 claim-free years 65%
4 claim-free years 67%
5 claim-free years or more 70%

For policies with 70% entitlement, the discount will increase at subsequent renewal dates to 72%, 73%, 74% and 75% for each claim free year if no claims have been made. If you make a claim on your policy, your No Claim Discount may reduce by the equivalent of 2 years for each claim, unless you have protected your No Claim Discount.

Your No Claim Discount entitlement is not affected by claims for:

  • damage to the windscreen, windows or glass sunroof only
  • loss or damage to a courtesy car provided under the optional extra Enhanced Courtesy Car cover
  • loss or damage to a courtesy car provided by an approved repairer while your car is being repaired
  • assistance with uninsured losses under the optional Motor Legal Expenses Insurance (in association with Co-op Legal Services Limited)
  • assistance under the optional extra Car Breakdown Cover (in association with AXA Assistance (UK) Ltd.).

Protect your No Claim Discount

If you have earned five years’ discount or more, and you've not made more than one claim in the last three years, you might qualify for our Protected No Claim Discount option.

With this option, in return for an extra premium you can protect the number of claim-free years you've earned and the associated discount (not the amount of the premium) when you renew.

Your protection will remain in place provided you have made no more than two claims in the previous three years, including claims with a previous insurer.

Three claims will result in your protection being withdrawn at renewal: this includes claims with a previous insurer.

Four or more claims will mean that your number of claim-free years, and the associated discount, will reduce in line with the table below: please note all of these claims must be with the Co-op Insurance for your discount to be reduced.

If either of the above situations happen and you then make a claim on your policy in the following years, your No Claim Discount may reduce following our normal unprotected NCD step-back rules.

Please also note that if any claim is made during the current period of insurance, the number of years' discount will not increase at the next renewal.

Your overall premium may increase or decrease next year whether or not you’ve made a claim and you have selected Protected No Claim Discount. For example, Insurance Premium Tax changes and general pricing changes might affect the amount of your premium from year to year.

Protected NCD: Current NCD Level

70%P (5yrs)

Discount entitlement at next renewal date following:

0 claims 72%P 1 claim in next 12 months 70%P 2 claims in next 12 months 70%P 3 claims in most recent 3 year period 70%* 4 claims in most recent 3 year period 65%** 5 claims in most recent 3 year period 50%**

72%P (6yrs)

Discount entitlement at next renewal date following:

0 claims 73%P 1 claim in next 12 months 72%P 2 claims in next 12 months 72%P 3 claims in most recent 3 year period 72%* 4 claims in most recent 3 year period 65%** 5 claims in most recent 3 year period 50%**

73%P (7yrs)

Discount entitlement at next renewal date following:

0 claims 74%P 1 claim in next 12 months 73%P 2 claims in next 12 months 73%P 3 claims in most recent 3 year period 73%* 4 claims in most recent 3 year period 65%** 5 claims in most recent 3 year period 50%**

74%P (8yrs)

Discount entitlement at next renewal date following:

0 claims 75%P 1 claim in next 12 months 74%P 2 claims in next 12 months 74%P 3 claims in most recent 3 year period 74%* 4 claims in most recent 3 year period 65%** 5 claims in most recent 3 year period 50%**

75%P (9yrs)

Discount entitlement at next renewal date following:

0 claims 75%P 1 claim in next 12 months 75%P 2 claims in next 12 months 75%P 3 claims in most recent 3 year period 75%* 4 claims in most recent 3 year period 65%** 5 claims in most recent 3 year period 50%**

*Protection removed at renewal – counts all claims in last 3 years, including any with a previous insurer

**Protection removed at renewal and NCD reduced – all the claims must be with Co-op Insurance for NCD to be reduced

Please note that the No Claim Discount earned can only be used on one policy at a time, it cannot be shared across two policies.

If the policy is cancelled before the end of the policy year, no discount will be earned for that year.

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents online for further details.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.

Motor Legal Expenses cover is underwritten by CIS General Insurance Limited, with the legal services provided by Co-op Legal Services, a trading name of Co-operative Legal Services Limited; registered in England and Wales under company number 05671209. Registered office: 1 Angel Square, Manchester M60 0AG. Co-operative Legal Services Limited is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. Co-op Legal Services' professional rules are set out in the SRA Code of Conduct. The SRA Handbook, which includes the SRA Code of Conduct, is available online at www.sra.org.uk/handbook