No claim discount

What we need as proof of your no claim discount

We need your renewal notice, or a letter from your last insurer or broker, confirming your no claim discount (NCD), people sometimes call a no claim discount a ‘no claims bonus’.

Your proof must be under three years old and show:

  • the no claim discount in years
  • the date the policy ended or you were due to renew it
  • the registration number of the car.

It must not be in use on another vehicle.

Your NCD entitlement is not affected by claims for:

  • damage to the windscreen, windows or glass sunroof 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.

Protect your NCD

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 Three claims will result in your protection being withdrawn at renewal and four or more will mean that your number of claim-free years, and the associated discount, will reduce following our normal step-back rules.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.