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No Claim Discount

Save up to 70% No Claim Discount

We offer a scale of discounts to policyholders who avoid making claims. After each claim-free policy year, you will move one step up the scale until you reach the maximum discount level. Should you make a claim you may lose some or all of your Discount at the next renewal date (unless you have opted for the Protected Discount Scheme).

Scale of discounts

If you take out your car insurance policy online with The Co-operative Insurance you could get the following discounts from the basic premium where you can provide documentary evidence of claim-free driving from another insurer:

• 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%

Your NCD entitlement is not affected by claims for:

• Damage to the windscreen, windows or glass sunroof only.
• Loss or damage to a courtesy car provided under the optional enhanced courtesy car cover.
• Assistance with uninsured losses under the optional motor legal expenses cover.
• Assistance under the optional car breakdown cover.

Renewing your policy

If you want to renew your car insurance policy with The Co-operative Insurance, you can call 08457 46 46 46 to get a new quote.

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 Three claims will result in the Protected Discount Scheme being withdrawn at renewal.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 (NCD).