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No Claims Discount

No Claims Discount (NCD)

No Claims Discount (NCD) is a way that we insurers reward safe drivers. Discounts for customers with NCD can be very rewarding and you can earn up to 52% off your insurance premium.

Protected No Claims Discount

No claims discount protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

No claims discount protection allows you to make one or more claims before your number of no claims bonus years falls.

Average discount – Car Insurance

Number of years NCD Typical NCD in 2018
1 23%
2 30%
3 36%
4 38%
5 42%
6 45%
7 46%
8 47%
9 48%

Without No Claims Discount Protection:

For all policy reference numbers starting DRCAR, DRCMV or 93XXXXXXX.XX

Number of years NCD Number of years NCD following 1 fault claim within policy period Number of years NCD following 2 fault claims within policy period
1 0 0
2 0 0
3 1 0
4 2 0
5 3 1
6 or more 4 2

With No Claims Discount Protection:

For all policy reference numbers starting DRCAR, DRCMV or 93XXXXXXX.XX

Number of years NCD Number of years NCD following 1 fault claim in any 3 year period Number of years NCD following 2 fault claims in any 3 year period Number of years NCD following 3 fault claims in any 3 year period Number of years NCD following 4 fault claims in any 3 year period Number of years NCD following 5 fault claims in any 3 year period
4 4 4 2 0 0
5 5 5 3 1 0
6 6 6 4 2 0
7 7 7 4 2 0
8 8 8 4 2 0
9 9 9 4 2 0

Without No Claims Discount Protection:

For all policy reference numbers starting 13XXXXXXX.XX

Number of years NCD
1 claim in next 12 months 2 claims in next 12 months 3 claims in next 12 months 4 claims in next 12 months
1 0 0 0 0
2 0 0 0 0
3 1 0 0 0
4 2 0 0 0
5 3 1 0 0
6 3 1 0           0
7 3 1 0 0
8 3 1 0 0
9 3 1 0 0

With No Claims Discount Protection:

For all policy reference numbers starting 13XXXXXXX.XX

Number of years NCD 1 claim in any 3 year period 2 claims in any 3 year period 3 claims in any 3 year period 4 claims in any 3 year period
4 4 4 2 0
5 5 5 3 1
6 6 6 3 1
7 7 7 3 1
8 8 8 3 1
9 9 9 3 1

How do I earn NCD?

Each year you complete a motor insurance policy without making a claim, you will earn another year's NCD. Glass claims and non-fault claims do not affect your NCD. A non-fault claim is one where the full cost of the claim is paid by the insurer of the driver at fault. Your NCD needs to have been earned on a private UK car, motorbike or van insurance policy.

Company Car NCD

You can also earn NCD as a driver of a company vehicle. Company vehicle discount is earned for each year you drive a company car or van without making a claim. You will need to have the company vehicle for your own private use. We do not accept motor trade or taxi NCD. You will need to provide proof of your claims free experience on your company car, which can be a letter from your fleet administrator or other company official on company paper.

Transferring your NCD to Geoffrey Insurance Services

To transfer your NCD to Geoffrey Insurance Services, you just need to take out a policy and tell us how many NCD years you have to transfer onto your Geoffrey Insurance Services policy. You will then need to provide proof, so it is very important that this information is accurate. If you change your NCD entitlement after setting up your policy, we will need to adjust your premiums and also charge a £25 administration fee.

Providing proof of NCD

Since the discounts you get for NCD can be very rewarding and can earn up to 52% off your insurance premium, we do need to have proof of your NCD entitlement.  This proof is normally the renewal invite from your previous insurer (which should state the number of NCD years you have earned) or a letter from your previous insurer. If there has been a gap since your last insurance policy, we can accept NCD which is up to two years old.

If you are having trouble obtaining proof of your NCD, please call us on 0800 196 1548.  We will try to contact your previous insurer on your behalf.  However, if they are not willing to tell us your NCD entitlement and you cannot provide proof we will have to adjust your premium accordingly and charge a £25 administration fee to cover our costs of making the change.

Sending your proof of NCD is easy.  Simply send the renewal invite from your previous insurer and write your Geoffrey Insurance Services policy number on the top by:

Post: Fusion House, Katherine Way, Peterborough, PE3 8BG. Please call us on 0800 196 1548 if you would like us to send you a pre-paid envelope.

Fax: 0808 196 1548