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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 on 03457 46 46 46^.
  • 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 yearsNo 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.

This benefit is not available if the Named Driver (or any other drivers included on the new policy) have been convicted of a motoring offence in the last four years or have a prosecution pending (parking offences or a single speeding offence per driver will be ignored).

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.

Please note that the No Claim Discount earned can only be used on one policy at a time, it cannot be shared across two policies.

If the policy is cancelled before the end of the policy year, no discount will be earned for that year.

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents online for further details.

The Co‑operative car insurance is normally available to customers aged 17 to 75 years only.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

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