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 Three claims will result in your protection being withdrawn at renewal and four or more will mean that your number of claim-free years, and the associated discount, will reduce following our normal step-back rules.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

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.

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

^ Call charges may apply.

Co-op Young Driver Insurance is normally available to customers aged 17 to 75 years only. 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-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