What is a No Claims Discount (NCD)?
No Claims Discount (NCD), also known as No Claims Bonus or Bonus Malus, is a discount you earn on your insurance for each year you don’t make a claim.
Each claim-free year helps you build your NCD, which can reduce the cost of your future car insurance premiums.
Example:
If you haven’t made a claim for 3 years, your insurer will usually give you a 3-year NCD, which could mean a significant saving on your premium.
Do you accept international NCDs?
Yes, we do! We understand that many of our customers may have insurance history from outside the UK. That’s why we accept NCD documents from international insurers, helping you get the savings you’ve earned—no matter where you were insured before.
When can I send you my proof of NCD?
We can only verify your NCD after you’ve signed up for a policy with Marshmallow. If you don’t send your proof after joining, your NCD discount may be removed and you may need to pay more for your insurance.
Why is the No Claims Discount important?
It’s a reward for safe driving—you pay less for insurance if you haven’t made claims.
It helps insurers understand your driving history.
It encourages better driving habits by offering long-term savings.