Car insurance discounts

No claim discount

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.

We’ll let you carry on your no claim discount if you join us from another insurer; you can tell us about it in our online quote tool, or tell one of our advisers if you get a quote over the phone.

Proof of no claim discount

If you buy our insurance, we may ask for proof of your no claim discount. If so, we’ll include a pre-paid envelope with your insurance documents for you to send us your proof of no claim discount.

Remember to include your Co-op policy number.

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

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

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

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

You will find proof of no claim 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 claim 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 claim discount

You can add protected no claim discount as an option when you buy or renew.

If you make a claim

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

For example:

  • you’ve got a 5 year no claim discount that gives you a 70% discount on your policy, discounted to £300, based on a standard cost of £1,000
  • you make a claim. You’ve protected your no claim discount, so you keep your 5 years and 70% discount
  • the cost of your policy has gone up at renewal, so next year you’ll pay £330, based on a standard cost of £1,100, even though you’ve still got a 5 year no claim discount.

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

Member discount

We’ve put together a special offer on car insurance where you’ll get an exclusive member price.

This offer is subject to our ability to match your details with those on our membership database.

We may not be able to do this if you haven’t told Co-op Membership about a change of:

  • name
  • address.

Your details may not appear on the database immediately, even if you’ve received your membership card.

Find out more about the membership offer for car insurance.