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Q: How many years car insurance No Claim Discount do I need before I can protect it?


If you have earned five years’ discount or more, and you've not made more than one claim in the last three years, you might qualify for our Protected No Claim Discount option.

With this option, in return for an extra premium you can protect the number of claim-free years you've earned and the associated discount (not the amount of the premium) when you renew.

Your protection will remain in place provided you have made no more than two claims in the previous three years, including claims with a previous insurer.

Three claims will result in your protection being withdrawn at renewal: this includes claims with a previous insurer.

Four or more claims will mean that your number of claim-free years, and the associated discount, will reduce: please note all of these claims must be with Co-op Insurance for your discount to be reduced.

If either of the above situations happen and you then make a claim on your policy in the following years, your No Claim Discount may reduce following our normal unprotected NCD step-back rules.

Your overall premium may increase or decrease next year whether or not you’ve made a claim and you have selected Protected No Claim Discount. For example, Insurance Premium Tax changes and general pricing changes might affect the amount of your premium from year to year.

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.

Find out more

If you bought your Co-op Car Insurance from a price comparison website, you have our ecoinsurance, and the Protected No Claim Discount eligibility rules are different.

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