No Claims Discount Tool

 

A motorist's no claims discount can make a massive difference to their insurance premium, slicing 70% or even more off the cost after five years of claims-free driving. But each insurance company has a different approach to how much discount they offer at different points, and what happens to the driver's accumulated discount if they make a claim. Using this MoneySuperMarket tool, you can find out how the leading car insurance providers approach the subject.

 

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.

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!

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Understand your no claims discount

 

These 12 insurers on our no claims discount tool are among the biggest car insurance providers in the UK. If you bought through a broker, your policy might have been underwritten by one of these firms.