No Claim Discount FAQs
What is your question about?
What NCD do you accept
No, named drivers can't build up their own no claim discount (NCD). You can only earn NCD if you're the policyholder.
No, you can't transfer NCD over to another person.
No, we don't accept company car NCD.
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
No, we only accept NCD earned by a policyholder.
No, you can't transfer NCD over to your partner or spouse. It can only be accepted where the policyholder has earned the NCD themselves.
Admin
If you need proof of your No Claim Discount, there's no need to contact us as this gets shared with you automatically on page 6 of your renewal invite.
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.
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.
The amount of discount you receive for your NCD varies. You can find this out by viewing the documents in your online account.
Yes. We're part of an industry-wide database that shares NCD history with other insurers. This is designed to help minimise the disruption when asking for a customer to send in their written proof and reduces the opportunity for people to fraudulently claim a higher level of NCD than they're entitled to. Reducing fraud helps us maintain lower prices.
Unfortunately, we can’t change the number of years of No Claim Discount that was disclosed to us when you got your quote.
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.
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.
With Flow, unlike most insurers, you don’t need to send in proof of your No Claim Discount. We use some clever databases and systems to check the number of years your No Claim Discount has been in effect, so there’s nothing else we need you to do once you’ve taken out your policy. Pretty nifty!
We can normally use central databases to check your NCD ourselves, but we sometimes need to ask for proof of your NCD.
Protected no claim discount is an optional extra you can add to your car insurance policy. It means that any NCD you've built up is protected - no matter how many claims you make. Your premium may still be affected if you make a claim.
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.
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.
Cover
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 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.
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.
If your Flow Annual policy has been in force for over 60 days before you cancel, your NCD will be provided in your cancellation email or your renewal pack - detailing the vehicle attached to the discount, the number of years NCD, if it was protected and the end date or cancellation date of the policy.
Remember if you cancel part way through your policy term, you won't have earned your NCD for that year.
Remember if you cancel part way through your policy term, you won't have earned your NCD for that year.
You can protect your NCD on your Flow Annual policy once you have 4 years of driving experience. You can earn this experience with any insurer.
No. Our subscription policy doesn't take NCD into consideration. Instead, we offer you the best possible price based on your personal details.
Claims
No, with Flow 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, 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. Just so you know, your premium can still be affected.
It all depends on what you're claiming for on your car insurance and if you've opted for Protected NCD (PNCD).
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.
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
No, your NCD won't be affected if you're a victim of vandalism.