Your savings grow with each claim-free year
A No Claims Discount (NCD) is a reward for safe driving. Every year you hold a policy and don’t make a claim adds to your NCD, and in most cases, this means bigger savings on your insurance premium.
Typical savings based on NCD years
While the exact discount varies by insurer and driver, at Marshmallow the premium discount you receive increases with more years NCD you have. Insurers usually have a threshold of 10+ years NCD as a maximum discount.
How do claims affect my No Claims Discount?
Making a claim usually reduces or resets your NCD. Some insurers offer a protected NCD feature, but this is not automatically included.
If your NCD reduces, your premium may increase at renewal time.
Will I always get a discount?
As long as we can validate and accept the NCD years submitted, a discount will be applied to your premium. However, the final price of your policy also depends on other factors like:
Your age and driving experience
The type of car you drive
Where you live and park