No claims discount

Your No Claims discount is a valuable way of reducing your car's insurance premiums and is earned by not making a claim on your car insurance. It's the insurer's way of saying thank you for being a claim free driver!

No claims discount scale

Discounts vary between insurance companies, typically the scale of No Claims bonus works along these lines:

• 0 years - 0% no claims bonus
• 1 year no claims bonus - 30% discount
• 2 years no claims bonus - 40% discount
• 3 years no claims bonus - 50% discount
• 4 years no claims bonus - 60% discount
• 5 years no claims bonus - 65% discount

You will need to send us proof of your no claims discount. Usually this is the document in your renewal pack from your last insurer that shows the number of years' no claims discounts you've earned, the expiry date of your last insurance and any claims you've made.

However, if you've been covered on someone else's policy, even as a named driver, you may find it difficult to take advantage of your years of claim-free driving. Therefore, if you wish to take advantage of your excellent driving history it is important to start your own individual policy.

Remember that as a UK female driver you can already benefit from discounted premiums so think about the extra you can get as a result of building up your own no claims discount.