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No claim discount

70% No Claim Discount for 5 or more claim free years

Buy your car insurance policy online with The Co-operative Insurance and you could get the following discounts from the basic premium. You will be required to provide evidence of your No Claim Discount in writing. We will accept a renewal invitation, a letter or email proof from a previous UK, Channel Island or Isle of Man insurer.

Scale of discounts

1 claim-free year
2 claim-free years 60%
3 claim-free years 65%
4 claim-free years 67%
5 claim-free years or more 70%

For policies with 70% entitlement, the discount will increase at subsequent renewal dates to 72%, 73%, 74% and 75% for each claim free year if no claims have been made. If you make a claim on your policy, your No Claim Discount may reduce, unless you have protected your No Claim Discount.

Your No Claim Discount entitlement is not affected by claims for:

  • Damage to the windscreen, windows or glass sunroof only.
  • Loss or damage to a courtesy car (provided by Albany Assistance Ltd) provided under the optional extra Enhanced courtesy car cover.
  • Loss or damage to a courtesy car provided by an approved repairer while your car is being repaired.
  • Assistance with uninsured losses under the optional motor legal expenses cover (in association with Co-operative Legal Services Limited).
  • Assistance under the optional extra Car breakdown cover (in association with AXA Assistance).

Protect your No Claim Discount

If you are entitled to a discount of 70% or more and there has not been more than one claim in the last three years, you may qualify for our Protected Discount Scheme. In return for an extra premium, this guarantees a discount of at least 70% at the next renewal date provided that there have been no more than two claims in the preceding three years, including claims with a previous insurer. Three claims will result in the Protected Discount Scheme being withdrawn at renewal. Four or more claims will also result in a reduction of No Claim Discount.

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.

Applicants for insurance are subject to normal underwriting criteria.

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