Our no-claims discount is the fairest way to keep premiums as low as possible and to combat escalating costs.
Your starter discount level is decided when you join, based on whether you are switching from another insurer or whether you are taking out health insurance for the first time.
If you're taking out cover for the first time, we'll welcome you with a starter no-claims discount of 40% if you're aged 69 or under. And, if you're 70 or over, we'll still give you a starter no-claims discount of up to 20%. Or, if you're switching we'll reward your previous claim-free years with a differenct insurer - so from day one you could get a discount as much as 65%, depending on your age and claims history.
Irrespective of your starter discount, at the end of each claim-free year, you'll automatically move up one level on our no-claims discount scale, until you reach the maximum of 65%.
And if you need to make a claim, no matter how big it is, you do not immediately lose all your discount. You move back only two levels on our discount scale for each claim and your new no-claims discount will apply from your next renewal date.
Even if you have to make a lot of claims you will never pay more than our basic premium rate. And like everyone else, you can re-build your no-claims discount in the following years.
Better still, some claims won't affect your no-claims discount at all:
