No-claims discount value calculator
Estimate what your no-claims discount is worth in pound terms, and compare scenarios where you do and don't protect it. Enter your own premium figures for the most accurate result.
The premium your insurer would charge with 0% NCD.
Assumptions and methodology
Calculates the current discounted premium from the pre-discount premium and NCD percentage. Modelled scenarios apply a step-back to the NCD based on your input, then recalculate the premium for each year of the comparison period. Insurer NCD step-back rules vary — the figures shown are illustrative.
Common mistakes to avoid
- ✕Assuming NCD protection fully prevents your premium rising after a claim — even with NCD protection, your risk profile may be reassessed at renewal.
- ✕Not knowing your current NCD percentage — check your policy schedule or renewal notice.
- ✕Treating NCD as transferable to a named-driver policy without checking.
Frequently asked questions
An NCD is a reduction in your car insurance premium for each year you drive without making a fault claim. After several claim-free years, the discount can be significant.
NCD protection (usually sold as an add-on) allows you to make a set number of fault claims per year without your NCD being reduced. You pay an extra premium for this protection.
No. NCD protection preserves your NCD percentage, but your insurer may still increase your premium at renewal if you have made a claim, because your risk profile has changed.
Yes. NCD is portable. Your current insurer will issue a proof of no-claims document. Most UK insurers accept NCD from another provider.
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Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.