No Claims Discount Tool
Gone for longer than a year without making a car insurance claim? Figure out how much you could save with our no-claims discount calculator tool.
Key takeaways
If you go for a year or more without claiming on your car insurance, your insurer will offer you a discount on your premiums
If you’re switching providers you should be able to transfer your discount, but not all providers will cover every year you’ve accrued
Some insurers offer NCD protection, allowing you to keep your discount even after a claim, though it may come at an extra cost
How many no-claims discount years will my new insurer honour?
Work out how many of the years you've built up will be recognised
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Maximum number of NCD years
With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim - but they don't increase the size of your discount (or at least not by much).
However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that's still higher than five, making a claim would not jeopardise your discount.
Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.
Maximum No Claims Discount
The amount of discount earned increases with each year of claim-free driving.
So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.
Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.
Does it have an Accelerated Bonus Scheme?
Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year's NCD after 10 months claims-free driving.
After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.
How does a no-claims discount work?
When you go for at least a year without making a claim on your car insurance policy, your insurer will offer you a discount on your premiums the next time you renew as a reward. However, there are no set rules on how much insurers will offer as a discount - so it’s always good to compare your options.
Can I transfer my no-claims bonus?
Yes, if you’re moving to a new car insurance provider and you’ve accrued a no-claims discount with your current insurer, you may be able to transfer this across. Most insurers generally speaking will allow you to transfer your bonus, but they’ll likely vary in terms of how many years they’ll honour.
You’ll need to contact your old insurer to get proof of your discount, usually via a letter for your new insurer.
How long does a no-claims bonus last?
If you cancel a car insurance policy with which you’ve built up a no-claims bonus, it will last for two years before resetting, so you’ll need to find new insurance within this time to keep it.
How much can I save with a no-claims discount?
Insurers set their own rules when it comes to the minimum and maximum discounts given but they usually range from between 5% and 60%. According to car insurance quote data from MoneySuperMarket, drivers with a one year discount paid on average £1,076 a year for cover, compared to £675 with a five year discount.*
To find out how much you could potentially save you can contact an insurer and check what limits it sets or calculate your no-claims discount with our free tool.
*Based on the median annual price of comprehensive policies sold through MoneySuperMarket in November 2024.
How
many no claims discount years will my new insurer honour?
Insurers have their own rules when it comes to setting premiums and honouring transferred no-claims discounts. To help, we’ve put together a tool that lets you see how many years of no-claims discounts different car insurance providers will consider - just choose your new provider from the list below to see.
How do I protect my no-claims discount?
You can pay a small extra fee on top of your premiums to protect your no-claims discount, which means you won’t lose it - or all of it - if you need to make a claim. Depending on the insurer, you might be able to make up to two claims within a certain number of years without losing your entire discount.
Save money on your car insurance
Car insurance is a hefty expense, but there's a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn't pay!
Author
Mehdi Punjwani
Insurance specialist
Mehdi is a financial writer and editor with over six years of experience in personal finance. He has written for organisations and publications including Equifax, The AA, and USAToday, covering a...
Reviewer
Saarrah Mussa
Former Content Writer
Saarrah was a MoneySuperMarket's in-house pet insurance expert. With broad experience writing across insurance products Saarrah is acutely aware of the complexities and costs consumers have to face...
