Insurance FAQs

What do I need to know about no claim discount (NCD)?

What is no claim discount (NCD)?

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.

In order 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 former insurer with you to reduce the overall cost of your premium.

How long is my NCD valid for?

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 are 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.

What happens to my NCD if I have to make a claim?

It all depends on what you're claiming on your car insurance for.

For example, if you were involved in a car accident and it was your fault, you may lose all of the NCD you've built up over years of safe driving. We'll reduce your NCD in line with our step back rules which can be found in your car insurance policy document, unless you have 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 0800 633 5211

Lines open:

8am - 8pm Monday to Friday

9am - 5pm Saturday and Bank Holidays

10am - 4pm Sunday

Calls will be recorded. For Text Phone: dial 18001 first.

How much NCD have I earned?

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 on your schedule of insurance.

If you can't find your LV= insurance documents:

Call us on 0800 633 5211, we'll be happy to help. 

What if I don't have a copy of my NCD?

If you can't find proof of your NCD, you can request a copy of your latest renewal notice or letter from your last insurer. So long as the date your last policy ended is within 24 months of your new policy starting, we can honour no claim discount you've previously earned.

If you're insured with LV= and can't find your documents, just give us a call on 0800 633 5211.

If I claim for windscreen damage, does it affect my NCD?

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 schedule of insurance.

Can named drivers build up their own NCD?

No, unfortunately named drivers can't build up their own no claim discount (NCD). You can only earn NCD if you're the policyholder or the NCD holder on a multi car policy.

Do you accept foreign proof of NCD?

We're unable to 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 being used on any other policy.

However, we can accept NCD from other countries, so long as you earned it by driving abroad, whilst 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 0800 756 8020.

Lines are open:

8am - 8pm Monday to Friday

9am - 5pm Saturday and Bank Holidays

10am - 4pm Sunday

Calls will be recorded. For Text Phone: dial 18001 first.

All content is approved by our in-house advisory board of experts.