Save on home insurance with a no claims discount

Claiming on your home insurance could mean you pay more when you renew. But what if you don't make any claims? You could end up paying less for your cover – and spending more on revamping the lounge.

What is a no claims discount?

A no claims discount (NCD), also known as a no claims bonus, is a reward for not claiming on your insurance. Most people associate it with car cover, but it counts for home insurance too. If you go a year without claiming, you can get money off your cover when you renew. And the more years you're claim free, the better the discount.

What happens if you claim?

We have separate discounts for contents and buildings insurance. So it depends what you claim for.

If you claim on your contents insurance, we'll reduce that discount when you renew, but not your buildings cover discount – and vice versa. And if you claim under both policies, we'll reduce both discounts.

If you claim under some of our optional extras – like Personal Possessions Cover it will also affect your contents insurance discount.

Here's a rundown of how it all works:

 
Current number of years NCD
Number of years NCD at next renewal, if you make:
No claims 1 claim 2 claims 3 claims
0 1 0 0 0
1 2 0 0 0
2 3 0 0 0
3 4 2 0 0
4 5 3 1 0
5 6 3 1 0
6 7 3 1 0
7 8 3 1 0
8 9 3 1 0
9+ 9 3 1 0

When your discount's safe

You won't lose your discount if you claim under these optional extras:

What else do you need to know

You can only use your home insurance NCD on one policy at a time, and you can't transfer it to another person.

Even if we increase your discount when you renew, the cost of your cover could still go up. That's because we take a lot of different things into account when we work out your price.

After a bit more detail?

Check our policy documents. And we've put together some information on NCDs in our guides section.