No Claims Discount Car Insurance (NCD)

If you are currently looking to switch your insurer, then you will probably be aware of the term No Claims Discount Car Insurance (NCD) or Bonus (NCB). These two terms are interchangeable and mean the same thing. First time drivers need to make themselves aware of the potential benefits and savings to be claimed by accumulating a maximum no claims discount. Click through today for a low rate quote.

Competing motor insurers in the UK will offer substantial discounts for those policyholders with claims-free records. The actual level of discount varies according to the class of vehicle insured and driver profile. Motorists with over 4/5 years driving experience with no claims, can often claim a reduction of up-to 55-75% over the standard policy premium.

In general the maximum number of no claims bonus years you can claim is 5. Some insurance companies will deliver further discounts for up to 6/7/8 years claim free driving but this is rare. Drivers can't share a NCB earned on one car between two cars. Even with a maximum NCB it is worth shopping around to assess offers and deals from different insurers, as each provider will calculate it's underwriting in a slightly different way.

Drivers just starting out on their motoring journey can examine the deals from insurers offering accelerated policies. This is where the policyholder can earn bonus in 10 months rather than 12.

We have featured* below two companies who are currently providing market leading deals for transferring your No Claims Bonus etc. It is possible to obtain a quote from either insurer / intermediary by clicking the appropriate logo (see above right)**:

Bell Direct
Do you have low No Claims Bonus? Bell Direct specialises in low cost car insurance for drivers with low No Claims Discount. The Bell Bonus Accelerator is a policy that runs for 10 months instead of 12, and at the end of the 10 months, providing you have been claim free, you will earn a full year's No Claims Bonus.

Esure
A car insurance policy with Esure offers you more. You get a competitive price, no claim discounts up to a massive 75%, first-rate service and a comprehensive package of benefits included in your policy.

Privilege
A guarantee that Privilege will beat your renewal quote if you have 4 years or more No Claims Discount. Up to 65% No Claim Discount with 4 or more years no claims discount. Offer available for renewal quotes for customers with at least 4 years no claim discount on their car insurance, on a like for like basis until 28/02/07.

*Please note that the two companies featured on this page may change as new offers are put to market.

**Please check terms and conditions of offers from each company.