No claims discount (NCD) for car insurance

A no claim discount, sometimes called a no claims bonus, is a discount your insurer gives you if there are no claims made against your policy.

You can keep your no claims discount when you switch to Co-op. Just tell us when you get a car insurance quote.

How to get proof of your no claims discount

If you have received your renewal invitation from Co-op, the proof of your no claims discount will be included in the pack. If you decide not to renew your policy with us, you may need to send this document to your new insurer.

If you’re cancelling your policy mid term, or have lost your renewal pack, please contact us so we can help.

Proof of no claims discount

If you buy our insurance after being with a different insurer, we might ask for proof of your no claims discount. If so, we’ll include a pre-paid envelope with your insurance documents for you to send it.

Remember to include your Co-op policy number.

We’ll accept proof of no claims discount from any insurer based in:

• the UK
• the Channel Islands
• the Isle of Man

We cannot accept proof of no claims discount if it’s:

• over 2 years old
• used on another policy
• not in your name

You will find proof of no claims discount in your renewal pack from your current insurer, but a letter or email from your current insurer will also be accepted.

Protect your no claims discount

Subject to meeting the qualifying criteria you can pay extra to protect the no claim discount you've earned and the associated discount (but not the cost of the policy) when you renew.

Adding protected no claims discount

Subject to meeting the qualifying criteria you can add protected no claims discount as an option when you buy or renew.

If you make a claim with protected no claims discount

Your level of discount will be protected, but not necessarily the cost of your policy.

For example:

• you’ve got a 5 year no claims discount that gives you a 60% discount on your policy, discounted to £600, based on a standard cost of £1,000
• you make a claim. You’ve protected your no claims discount, so you keep your 5 years and 60% discount. The cost of your policy has gone up at renewal, so next year you’ll pay £660, based on a standard cost of £1,100, even though you’ve still got a 5 year no claims discount.

You’ll lose your protection if you make 2 claims in 3 years.