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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, or a letter of proof from a previous UK, Channel Island or Isle of Man insurer.

Scale of discounts

  • 1 claim-free year – 50%
  • 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 renewal to 72% 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 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 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. Three claims will result in the Protected Discount Scheme being withdrawn at renewal.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.

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.

Motor Legal Expenses cover is underwritten by CIS General Insurance Limited acting through The Co-operative Legal Services Limited; Registered in England under company number 05671209; Registered Office: 1 Angel Square, Manchester, M60 0AG. The Co-operative Legal Services Limited is authorised and regulated by the Solicitors Regulation Authority under registration number 567391.


The Co-operative Insurance is a trading name of CIS General Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. CIS General Insurance Limited is registered under number 29999R in England and Wales: Miller Street, Manchester M60 0AL.

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