What NCD do you accept
We're unable to honour any no claim discount (NCD) from other countries. With Flow Annual insurance, your NCD must:
- Be issued by a previous UK insurer
- Be less than 24 months old
- Be in the name of the policyholder
- Be written in English
- Not currently be in use on any other policy
If you cancel mid-term your NCD will be shared with you on your cancellation document.
The information contained in this proof of NCD will contain: the vehicle attached to the discount, the number of years, if the NCD was protected and the policy end/cancellation date.
You can either cancel your policy and take out a new one with the correct NCD disclosed, or keep your existing policy as it is, as long as you have not disclosed more years NCD than you have achieved.
With No Claim Discount (NCD), the maximum price discount that can be achieved is 9 years No Claims. Any NCD you build up after this time can be disclosed, but won't generate a price benefit or difference in your premium. If you have more than 9 years No Claims, as the price will remain the same for the number of years NCD you are disclosing, we can keep your existing policy in force with the details the same.
Cancelling and starting a new quote could result in an increase to your premium price (especially if your policy has already started or your original quote was a little while ago). Generally, the sooner a policy is needed, the more expensive it is.
To qualify for this optional extra, you need to have earned four or more years NCD. If you wish to add protected NCD cover to an existing policy, you can do this in your online account but you cannot add it if you've had a claim that would impact your NCD.
In order to benefit from any potential NCD, you need to build up a claim-free driving history in your name.
New drivers who haven't held a policy before won't have NCD because they've not had the opportunity to earn it yet.
If you're a named driver on someone's car insurance policy, and you aren't the specified NCD holder, you won't be able to build up your own NCD either.
Remember if you cancel part way through your policy term, you won't have earned your NCD for that year.
If you have protected your NCD, you will not lose your NCD no matter how many claims you make. If you have not protected your NCD, your NCD will be reduced in line with our step back rules which can be found in your car insurance policy document.
If you're involved in an accident that wasn't your fault and we're able to recover the cost from the at fault 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. Please also remember that even if you have PNCD and make a claim whether fault or non fault, your premium can still increase at renewal.
No, your NCD won't be affected if you're hit by an uninsured driver, as long as you can tell us:
- The registration number and the make, model and colour of the other vehicle
- The driver’s/rider's name and address