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Named Driver No-Claims Discount

Co-operative Insurance offer named drivers up to three years No Claim Discount (NCD) when they apply for their own policy with us – this could be worth up to 65% off their premium.

How does it work?

  • Ask your named drivers to call our Customer Contact Centre car insurance quote line.
  • Their details are stored on our system, which will recognise the number of claim-free years of motoring they have enjoyed on your policy. It doesn’t matter if you or any other named drivers have made a claim – the discount is calculated on their personal driving history.
  • Named drivers start to earn their own NCD from age 19, so the first time they will be eligible for Named Driver NCD is from the age of 20, provided they have been claim-free on your policy and any other policy for the past 12 months.

The following table shows how much discount your named drivers could be entitled to:

No of claim free driving years

No Claim Discount

1 year

50%

2 years

60%

3 years

65%

Named Driver discount qualifying criteria

This benefit cannot be transferred to other companies. Renewal documentation will only show the amount of NCD the named driver has earned on their own policy.

Applicants for insurance are subject to normal underwriting criteria.

This offer cannot be used in conjunction with the existing ‘introductory NCD scheme’. Policyholders can claim an amount of NCD from one or the other, whichever gets the most discount, but a combination of the schemes is not to be used in calculating the amounts.


Exclusions and limitations apply, please refer to policy documents for full details.
The Co-operative car insurance is normally available to customers aged 17 to 75 years only.
Applicants for insurance are subject to normal underwriting criteria.