No, named drivers can't build up their own no claim discount (NCD). You can only earn NCD if you're the policyholder.
No, you can't transfer NCD over to another person.
No, we don't accept company car NCD.

We're unable to honour any no claim discount (NCD) from other countries. With Allianz Car Insurance, your NCD must:

  • Be issued by a previous UK insurer.
  • Be less than 24 months old.
  • Be in the name of the policyholder.
  • Be written in English.
  • Not currently be in use on any other policy.
No, we only accept NCD earned by a policyholder.
No, you can't transfer NCD over to your partner or spouse. It can only be accepted where the policyholder has earned the NCD themselves.

What is No Claim Discount (NCD)?

Also known as a No Claim Bonus, it's a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. 


How do you get NCD?

Typically, you'll earn one year of NCD for every year you don't make a claim on your car insurance. In order to benefit from any NCD, you need to build up a claim-free driving history in your name.


What might stop me getting NCD?

New drivers who haven't held a policy before won't have NCD because they've not had the opportunity to earn it yet.

If you're a named driver on someone's car insurance policy, and you're not the specified NCD holder, you won't be able to build up your own NCD either.

If your Allianz Car Insurance policy has been active for over 60 days before you cancel, details of your NCD will be provided in your cancellation email or your renewal pack. These details include the vehicle attached to the discount, the number of years NCD, if it was protected, and the end date or cancellation date of the policy.

Remember, if you cancel part way through your policy term, you won't have earned your NCD for that year.

You can protect your NCD on your Allianz Car Insurance policy once you have four years' experience driving a privately-owned vehicle in the UK. You can earn this experience with any insurer.

No, with Allianz Car Insurance, windscreen claims don't affect your No Claim Discount. 

If you get a chip in your windscreen and it needs to be repaired, you'll have to pay an excess, but you won't lose any of your NCD. You can find your windscreen excess in your policy documents in your account

Just so you know, your premium can still be affected.

With our Allianz cover level, our vandalism promise is included as standard. This means your no claim discount (NCD) won't be affected if you're a victim of vandalism. You'll still need to pay your excess.

Our Allianz Essentials cover level does not include the vandalism promise, so if you make a claim you'll need to pay your excess and your NCD may be affected.

You'll find proof of your No Claim Discount in your renewal pack, which you’ll be able to view and download in your online account 30 days before your renewal date.

If you cancel mid-term, your proof of NCD will be shared with you on your cancellation document.

Your proof of NCD contains the following information:

  •  the vehicle attached to the discount
  • the number of years
  • whether or not the NCD was protected
  • the policy end/cancellation date.

Unfortunately, we can’t change the number of years of no claim discount that was disclosed to us when you got your quote. We understand things like this happen, though, and the best thing to do is cancel your policy and take out a new one with the correct number of NCD years.

It’s important to have the right NCD on your policy so we can give you the right discount and provide proof of your NCD in the future. However, as long as you haven’t disclosed a higher number of NCD years than you’ve actually achieved, you may choose to keep your existing policy as it is.

An exception to this is if you’ve built up 9 years of no claims. Since you’ve already reached the maximum price discount, we can keep your existing policy in force with the incorrect number. Any additional NCD years after this can be disclosed, but it won't make a difference to your price.

Cancelling and starting a new quote could result in your price going up (especially if your policy has already started or your original quote was a little while ago). Generally, the sooner a policy is needed, the more expensive it is.

To cancel, just log in to your Allianz account, select cancel my policy and follow the steps.

If your policy hasn’t started, you’ll be issued a full refund in 3-5 working days and there’s no cancellation fee.

If your policy has started already and you choose to cancel, you’ll receive a pro-rata refund minus a £40   cancellation fee. However, if you take out a new policy with us within 60 days using your existing Allianz account, the cancellation fee will be reimbursed to you.

We can normally use central databases to check your NCD ourselves, but we sometimes need to ask for proof of your NCD.

It depends what you're claiming for on your car insurance and if you've opted for protected NCD.

Protecting your NCD means you keep your discount even if you’ve made claims. But it’s worth remembering that any claim (fault or non-fault) can still see your premium increase at renewal.

If you don’t have protected NCD, your discount will be reduced following a claim (see our ‘step back’ rules in your car insurance policy document).

There are some cases where a claim won't affect your NCD. For example, if you're involved in an accident that wasn't your fault and we're able to recover the cost from the at fault insurer.

Similarly, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose your NCD.