But you have to be really careful with this. The main driver has to be the person who drives the car the most. If a named driver does the bulk of the driving, that's a kind of fraud called "fronting". Most temporary car insurance policies don't add to your no-claims bonus - even if they're comprehensive.
And you can't usually use your no-claims bonus to get a cheaper temporary car insurance policy, either. And that's because no-claims discounts only apply for every full year of insurance you go claim free. It's pretty rare for car insurance companies to let you build up a no-claims discount as a named driver on someone else's policy. But it does exist. That means you can't keep hold of your no-claims bonus for longer than 2 years if you're only driving as a named driver on other people's policies.
If you've been driving someone else's car as a named driver and then decide to take out your own car insurance, you won't get any benefit from not making any claims on their policy. There are a few companies that will let you build up a no-claims bonus as a named driver, but you'll only be able to use it if you take out your own car insurance with them. If you're a named driver as well as having your own insurance, and you make a claim as a named driver, you won't usually lose your no-claims bonus.
Most of the time it affects the policyholder. You can transfer your no-claims bonus to a new car, if you switch your car mid-way through your policy. But if you buy an additional car, you won't be able to use your no-claims bonus on that one too. It's one car at a time. If you've been driving a company car and your employer pays the insurance, you might be able to get some kind of discount when you take out your own insurance.
Generally, you'll only be able to do this if you're getting insured with the same company that insures your company car, because they can go check their records to make sure it's not made up. Classic car insurance works a little differently. With most classic car policies, you won't build up a no-claims bonus, and you can't use your existing no-claims bonus to make it cheaper.
Some UK insurance companies recognise no-claims discounts from other countries. You'll need to have written proof of your no-claims history, though. And usually in English. Check with your insurer if they do this, if so, find out exactly what information they'll need to honour your foreign no-claims bonus.
No-claims bonus protection is where you pay an additional fee to protect your discount. It can make sense if you've built up a nice big bonus and are worried about losing it all if you have to make a claim.
Your protection covers you for the time you have an active, valid insurance policy. If you cancel the insurance , you're also cancelling the no-claims bonus protection, so no more safety net for you.
Can I earn a No Claims Discount as a named driver? No, unfortunately not. What happens to my No Claims Discount if I have a claim? Assuming a valid claim is made, the effect on your No Claims Discount depends on what section the claim is under and what type of protection applies to your policy. Some sections allow you to claim and have no effect on your No Claims Discount — you should consult your policy booklet for full details.
Will a windscreen claim affect my no claims discount? No, a claim for windscreen repair or replacement will not affect your No Claims Discount. Car insurance policy booklet. Car Insurance. Downloads Car insurance policy booklet. Get your car insurance quote today. Use promocode 'Protect'. Online Quote. Call us in Wexford. While no claims discount protection may not prevent your premium from going up after a claim, it does mean you won't lose your discount.
Just think of the years it'll take to build up the no claims discount you have — it's a no-brainer for most drivers. You can usually only use a no claims discount on one car. It can be transferred from one car to another, but it can't be used on two cars at the same time.
If you drive a company car, you might find you can build up a discount on that car, so long as the business has you as a named driver on their policy. Hastings Direct offers quality car insurance loaded with benefits, all for a price that won't break the bank.
Comprehensive Hastings Direct and Hasting Premier policies feature two no claims discount-related benefits. If you're hit by an uninsured driver , you won't lose your no claims discount and you won't have to pay any excess agreed at the time of taking out your policy. You also won't lose your no claims discount if your car's vandalised. With these policies, you'll also get EU cover for up to 90 days per trip, a courtesy car whilst yours is being repaired, in-car entertainment cover and windscreen cover.
Our Hastings Direct and Hastings Premier car insurance policies are Defaqto 5 Star rated, meaning they offer the highest level of cover on the market. Get a competitive quote today — and don't forget to tell us about your no claims discount so we can knock more money off the price of cover!
Our Direct and Premier policies are 5 Star rated by Defaqto, so why not get a hassle-free car insurance quote today. Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online. Our car insurance is Moneyfacts 5 Star rated. Your browser's out of date so you may not be able to use some of the features on our website. For the best experience, we recommend upgrading your browser to a newer version.
No claims discount No claims discount is pretty much what it says on the tin: a discount insurers give drivers for not making a claim on their policy. Get a car insurance quote.
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