What’s a no claim discount, how much NCD do I have and how long is it valid?
Let’s answer your questions about no claim discount and find out what it all means…
No Claim Discount (NCD) explained
No claim discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance.
To benefit from any potential NCD, you need to build up a claim-free driving history in your name.
New drivers won't be entitled to NCD because they've not got enough experience on the roads yet.
If you're a named driver on someone's car insurance policy, and you aren't the NCD holder, you won't be able to build up your own NCD either.
If you're thinking of insuring your car with LV=, you may be able to bring your NCD from your previous insurer with you to reduce the overall cost of your premium.
If you haven't needed to insure a vehicle for a while, any no claim discount (NCD) you've earned in the past may still be valid.
We’re happy to honour your NCD on a new LV= car insurance policy, provided it was earned on a previous policy within the last 2 years and from a UK based insurer.
It all depends what you're claiming for on your car insurance. For example, if you were involved in a car accident and it was your fault, you may lose any NCD you've built up over years. We'll reduce your NCD in line with our "step back" rules, which can be found in your car insurance policy document, unless you’ve protected your NCD.
If you're involved in an accident that wasn't your fault and we're able to recover the cost of paying out to you from the liable driver's insurer, your NCD won't be affected.
There are some cases where a claim won't affect your NCD. For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.
With our multi car policy, each car earns its own NCD, so if you make a claim on one car, it won't affect the NCD on the other car(s) on the policy.
If you're eligible and choose to pay an extra premium, we can protect your NCD. That way, your discount won't be reduced even if you have to make a number of claims on your policy.
To protect your NCD, give us a call on 0330 678 5111.
Phone lines open
Monday to Friday: 8am - 8pm
Saturday and bank holidays: 9am - 5pm
Sunday: 10am - 4pm
Calls may be recorded. For Text Phone: dial 18001 first.
The no claim discount holder earns one year of no claim discount (NCD) for every year there are no claims on the policy. With our multi car policy, each car earns its own NCD so if you make a claim on one car, it won't affect the NCD on the other car(s) on the policy.
Your NCD eligibility is shown under the 'your insurance includes' section in your policy documents.
Can't find your LV= insurance documents? Just log in or register for an online account.
We won’t send proof of no claim discount if your car's still insured with us. We only send it if your policy’s expired or been cancelled.
If you recently received a renewal letter from us, it will include details of how many years NCD you've earned. Look under the 'Your insurance includes' section of your schedule to see your NCD eligibility.
Can't find your LV= insurance documents? Just log in or register for an online account.
No Claim Discount FAQs
No, with LV= car insurance, windscreen claims don't affect your no claim discount.
For example, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose any of your NCD.
You can find your windscreen excess in your policy documents. Make a windscreen or glass claim.
We don’t honour any no claim discount (NCD) from other countries. Your NCD must be issued by your previous UK insurer, be less than 24 months old, be in the name of the policyholder, be written in English and not currently in use on another policy.
However, we can accept NCD from other countries, so long as you earned it by driving abroad, while serving in the armed forces.
At the moment, our online quote form doesn’t let you tell us about NCD earned abroad. So, to get a quote, please call us on 0330 678 6545.
Yes, with our LV= Car Insurance, you can transfer your NCD to your partner at any time, as long as one set of NCD is only being used on one policy/car at a time.
Protected no claim discount is one of the optional extras you can add to your LV= car insurance policy or select when you get a car quote online.
It means you get to keep any NCD you've built up – even if you claim. You just need to have earned four or more years NCD to qualify.
No matter how many claims you make, you won't lose your no claim discount, but your premium may still increase, for example following an accident or a claim.
To add Protected NCD cover to an existing policy, call us and we'll be happy to help.
Please call: 0330 678 5111
Phone lines open
Monday to Friday: 8am - 8pm
Saturday and bank holidays: 9am - 5pm
Sunday: 10am - 4pm
Calls may be recorded. For Text Phone: dial 18001 first.
If you have comprehensive LV= car insurance cover and the accident's not your fault, you won't lose your NCD. You just need to tell us about the other vehicle… we’ll need:
- The number plate (registration number)
- The make, model and colour
- The driver's name and address
Not what you were looking for? Find your answer in our car FAQ hub.
Sorry if any of this sounds like jargon. You'll find an explanation in our car insurance glossary...