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Ecoinsurance No Claim Discount

Proof of your No Claim Discount

We’ll need to see a copy of your renewal notice or a letter from your last insurer or broker, as proof of your No Claim Discount.

We can only accept it if:

  • it’s less than 2 years old
  • it shows your No Claim Discount in years, the date the policy ended or was due to be renewed, and the car’s registration number
  • you’re not using your No Claim Discount on another vehicle
  • you earned it on a policy in the UK.

Your NCD entitlement is not affected by claims for:

  • damage to the windscreen, windows or glass sunroof (other than glass roof panels) only
  • assistance with uninsured losses under the optional Motor Legal Expenses cover (in association with Co-op Legal Services Limited)
  • assistance under the optional Car Breakdown cover (in association with RAC)
  • assistance under the optional Keycare cover (is association with Keycare).

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 one claim in the previous three years, including claims with a previous insurer. Two claims will result in your protection being withdrawn at renewal and three or more will mean that your number of claim-free years, and the associated discount, will reduce following our normal step-back rules.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.

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.

Exclusions and limitations apply, please refer to policy documents for full details.

Co-op motor ecoinsurance is arranged and administered by BISL Limited; registered in England and Wales under company number 03231094. Registered office: Pegasus House, Bakewell Road, Orton, Southgate, Peterborough, Cambridgeshire PE2 6YS. BISL Limited is authorised and regulated by the Financial Conduct Authority under register number 308896.

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-op Legal Services 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

Breakdown Cover is provided on behalf of Co-op Insurance by RAC Motoring Services Registered No 01424399 and/or RAC Insurance Ltd Registered No 2355834. Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services is authorised and regulated by the Financial Conduct Authority. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Keycare is administered by Keycare Limited and underwritten by Groupama Insurance Company Limited. Keycare Limited: Registered Office, 2a Westgate, Baildon, Shipley, West Yorkshire, BD17 5EJ. Registered in England number: 1309093. Groupama Insurance Company Limited: 6th Floor, One America Square, 17 Crosswall, London, EC3N 2LB.  Registered in England 00995253.

Calls may be monitored or recorded for security and training purposes.

^ Call charges may apply.

Applicants for insurance are subject to normal underwriting criteria. Ecoinsurance is normally available to customers aged 22 to 70 only.