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.

No, your NCD won't be affected if you're a victim of vandalism.