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How can I check if I have a no claims bonus?

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Last updated: 19 August 2022

You build up a no claims discount by going years without claiming on your car insurance policy. No claims discounts can be very valuable, often slashing your premiums by more than 60% after five years. But how do you know if you have one?

To check if your insurer is applying a no claims discount to your policy, check your policy documents or renewal letter. Some insurers will also run online portals for customers, which should display your no claims discount.

If you can’t find your no claims discount in those places, contact your insurer by phone or email and ask about it.

If you want to contact your car insurance provider by phone, here are the customer service numbers for some of the most common insurers:

  • Admiral: 0333 220 2000
  • Aviva: 0345 307 8590
  • Churchill Insurance: 0345 603 3551
  • Direct Line: 0345 878 5155
  • Hastings Direct: 0333 321 9790
  • LV=: 0330 678 5222

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Lauren Smith

Author: Lauren Smith

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