Flow Car Insurance FAQs

What do I need to know about 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 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.