No Claim Discount (NCD) Checker
See your current NCD (no claim discount) % and status before renewingCheck your NCD before comparing car insurance
Your NCD is one of the figures used to price a renewal. Check it above, then compare car insurance to see what your actual renewal options are.How NCD works
Every full policy year you complete without a claim moves you one step up the scale, to a maximum of 55%. The steps are set by the Motor Tariff, so they are the same at every insurer and takaful operator.No claim: your entitlement rises at the next renewal. A claim: it can fall, by an amount the insurer decides.Because the scale is fixed, no insurer can offer you a better NCD than another — what they compete on is the premium the discount is applied to. Your entitlement is held centrally rather than by your current insurer, so it stays with you when you switch.
Which claims can affect your NCD?
A claim made against your own policy is the one that counts. A claim made against the other driver's insurance generally does not touch your discount.| Claim type | Affects your NCD? | What to check |
|---|---|---|
| Own damage claim on your own policy | May affect | Claiming against your own policy is the case that counts. How far your discount falls at the next renewal is the insurer's decision, recorded centrally. |
| Claim made against the other driver's insurance | Usually not | If the claim is made under the other party's policy rather than yours, your own discount is not the one being claimed against. |
| Windscreen claim under the windscreen add-on | Usually not | The windscreen add-on exists so that glass damage can be claimed separately. You may still pay an excess. Without the add-on, the damage falls back on your main cover. |
| Flood or special perils claim | Depends on your policy | Flood damage is only claimable if you added special perils cover. Whether such a claim moves your discount is set by the policy wording, so check yours before claiming. |
| Theft claim | Depends on your policy | A theft claim is made against your own policy, and how it is treated depends on the insurer and the outcome of the case. Ask your insurer before assuming your discount is safe. |
Can I protect my NCD?
Some insurers offer an NCD protection or relief option, but it is not standard and the terms differ. Check whether it is offered on the policy you are considering before assuming you have it.Separately from any such option, the add-on you hold can change which claims you need to make at all. A windscreen chip claimed under a windscreen add-on is not the same event as the same chip claimed under your main cover, and special perils cover is what makes a flood claim possible in the first place.Whether either option is available to you is something to check while comparing car insurance, because it varies by insurer rather than being a feature of the discount itself.
Changing cars? Check whether your NCD moves with you
The discount belongs to you as the policyholder, not to the car, so selling a vehicle does not forfeit it. Moving it onto a different vehicle is subject to ownership, vehicle class and your insurer's requirements.Two things are worth separating. Your NCD cannot be given to another person. It can usually follow you to your own next car, which is a different question and the one most people mean when they ask about transferring.Confirm the transfer with your insurer before you buy the new policy rather than after, and check the discount showing on the quote matches the one you expect.
What to check before renewing car insurance
Check the discount on your quote matches the one shown here. Your NCD is held centrally, so it should follow you between insurers — but a record that disagrees with your history is worth resolving before you pay, not after.With the right figure confirmed, the rest of the renewal is a comparison: compare car insurance across the panel, check the cover and add-ons still suit the car, then renew when the quote reflects what you expect to pay.
What can cost you your NCD
Making a claim under your own policy is the main one. A long gap without cover can also cost you the entitlement, and how long a gap is allowed depends on the insurer.Before making a small own-damage claim, it is worth comparing the repair cost against your policy excess and against what the discount is worth on your next renewal. Those three figures differ for every driver, so there is no threshold that applies to everyone.Switching insurer is not on this list. Your entitlement is held centrally rather than by the insurer you are leaving, so changing provider does not put it at risk — what is worth doing is checking the record is right, which is what the tool above is for.
Don't compare premium alone
A higher NCD lowers the premium, but price is one part of the decision. Check that the cover and add-ons still match what your car needs before you renew.- Comprehensive coverThe cover your NCD discounts most
- Flood and special perilsWithout it, flood damage is not claimable
- Windscreen coverLets glass damage be claimed on its own
- All driversChanges the excess when someone else drives
NCD rates for private cars
| Claim Free Year of Insurance | NCD Entitlement |
|---|---|
| No claim free year yet | 0% |
| After 1 continuous claim free year | 25% |
| After 2 continuous claim free years | 30% |
| After 3 continuous claim free years | 38.33% |
| After 4 continuous claim free years | 45% |
| After 5 continuous claim free year and beyond | 55% (maximum) |
FAQ
NCD basics
It is a discount on your car insurance premium earned by completing policy years without making a claim. The longer you stay claim-free, the larger the discount, up to the maximum on the scale.
By completed claim-free years, on a scale set by the Motor Tariff. Because the tariff fixes it, the steps are identical at every insurer and takaful operator — no insurer can offer you a higher NCD than another for the same claim history.
The scale reaches 55% after five continuous claim-free years, and that is the ceiling. Further claim-free years keep you there rather than raising it.
Yes. It is one of the figures the premium is calculated from, so knowing it before you compare tells you whether a quote has applied the discount you are actually entitled to.
Not immediately, but a long enough gap can cost you the entitlement. How long a gap is tolerated is set by the insurer rather than by the tariff, so check with yours if your cover has lapsed.
Claims and your NCD
A claim under your own policy can move you back down the scale at the next renewal. How far is the insurer's decision, so ask what a specific claim would cost your discount before you file it.
If the claim is made against the other driver's insurance rather than your own policy, your discount is generally not the one being claimed against and is unaffected.
Usually not, if you hold the windscreen add-on — that is what it is for. You may still pay an excess. Without the add-on, the damage is claimed under your main cover instead.
It depends on your policy. Flood damage is only claimable if you added special perils cover, and whether such a claim moves your discount is set by the policy wording — check yours rather than assuming either way.
It depends. A theft claim is made against your own policy, and how it is treated varies by insurer and by the outcome of the case, so confirm with your insurer rather than assuming the discount is safe.
Some insurers offer an NCD protection or relief option, but it is not standard and the terms differ, so check whether the policy you are comparing includes it before you assume you are covered for it.
Changing car or insurer
Usually yes, if the new vehicle is yours. The discount belongs to you as the policyholder rather than to the car, subject to ownership, vehicle class and your insurer's requirements — confirm it before you buy the new policy.
No. It is earned by the policyholder's own claim-free record, so it cannot be given to another person — including a family member buying your car.
No. The discount is yours, not the vehicle's, so selling a car does not forfeit it. What you should confirm is that it can be applied to your next policy.
No. Your entitlement is held centrally rather than by your current insurer, so it follows you when you change provider and there is no loyalty penalty for switching. Do check the discount shown on the new quote matches your record.
NCD and your car insurance
It is applied as a discount when the premium is calculated, against the own-damage portion. That makes it worth more on comprehensive cover than on a third-party policy, and it is only one of several inputs — insurer, vehicle, cover and add-ons all move the final price.
The discount applies to the own-damage portion of a premium, which a third-party policy does not carry. It therefore does most of its work on comprehensive cover.
None of them, in the sense the question implies — the scale is fixed by the Motor Tariff and identical everywhere. What differs is the premium the discount is applied to, which is the reason to compare quotes rather than shop for a discount.
- Last reviewed: