No claims discount protection

How we can protect your no claims discount

When you take out home insurance cover with us, you can choose the option to add no claims discount cover to protect your discount. This way, you can make one claim in any policy year and still keep your discount intact when you come to renew your policy.

If you have added no claims protection and need to make a claim, simply call our UK-based award-winning claims team as usual. When you renew your policy, if this is the only claim you've made that year, we won't reduce your number of claims-free years meaning we won't reduce the no claims discount we apply.

If you make more than one claim in a policy year, we'll reduce your no claims discount by two years for each subsequent claim you make. For example, if you had a 5-years' no claims discount and you made two claims, the first claim wouldn't impact your claims-free years or your discount, but the second claim would reduce your claim-free years from five to three, and your discount from 25% to 18%.

Rest assured, if the number of your claims-free years reduces below one, we’ll withdraw your no claims discount protection and you will no longer be charged for this cover.