Make a claim

No Claims Bonus (NCB), or No Claims Discount (NCD) is a reduction you can receive on your insurance premiums, in recognition for being claims-free on your insurance policy. For every consecutive year you don't claim, your discount could increase, up to a maximum of 9 years. The value of the discount can vary between insurers, dependent on the number of years you remain claim-free.

We can accept No Claims Bonus providing:

• It has been earned on a UK car policy
• It is not being used on an existing policy
• The NCB is dated within 2 years

We accept evidence in the form of:

• Renewal notice/Statement of Fact (providing it contains a policy number)
• No Claims Bonus Letter from your previous insurer
• Cancellation letter
• Motability claims history letter
• Company car letter issued by your employer

The proof of No Claims Bonus needs to:

• Clearly show your Policy Number
• Show the number of years No Claims Bonus
• Your name
• Name of your previous insurer

A No-Fault claim is one made when an accident is not your fault. This means we will be able to recover any costs of the claim from the party who was liable for the accident.

Yes, but you’ll need to get an estimate and get it approved which could take some time. You can use one of our network of repairers, there’s likely to be at least one in your local area. As the repairers in our network have signed up to a range of service levels and provide guarantees on all work completed, you won't need to get your estimate approved.

There are two types of excess on an insurance policy; The first is a compulsory excess which is set by your insurer and is non-negotiable. The total compulsory excess can vary dependent on a number of factors, such as the policy type, your vehicle or your age. The second type of excess is voluntary excess which you can choose when you are purchasing your policy, and the voluntary excess you choose may influence your total premium price. Your total excess will be the compulsory excess and your voluntary excess combined, which is the amount you would need to pay in the event of a claim. For example, if your policy has a compulsory excess of £200 and a voluntary excess of £200, you would need to pay £400 towards the costs of the claim. Before purchasing your policy, you should always consider whether you can afford the total excess should you need to make a claim.

You will have to pay the excess when your vehicle is repaired, whether the accident is your fault or not. But you might be able to claim your excess back depending on the circumstances of your claim.

If the accident wasn’t your fault and you have purchased Drivers' Legal Protection policy, our solicitors will recover your excess along with any other out of pocket expenses from the liable person’s insurance company. We will put you in touch with a solicitor who can arrange this for you when you call to make your claim.

Policies with a start date before 1st September 2024 or policies where breakdown cover was purchased before 1st September 2024

If you have a policy that you took out before 1st September 2024 or have a policy where you purchased breakdown cover before 1st September 2024, your breakdown cover is provided by Inter Partner Assistance S.A. UK.

The quickest way to make a claim is online.

Alternatively, you can contact them on 0333 035 9746 if in the UK or +441737 334299 if you’re in the EU and have opted for EU cover.  

Text messaging is also available if you’re hard of hearing or have speech difficulties by texting the word ‘breakdown’ to 07984 434960

Policies taken out after 1st September 2024 or policies where breakdown cover was purchased after 1st September 2024

If you have a policy that you took out after 1st September 2024 or have a policy where you purchased breakdown cover after 1st September 2024, your breakdown cover is provided by RAC Limited.

The quickest way to make a claim is online.

Alternatively, you can contact them on 0330 013 2072 if in the UK or 00 33 475 43 52 55 if you’re in the EU and have opted for EU cover.  

If you’re hard of hearing or have difficulty speaking, you can also access Typetalk by using the telephone prefix 18001 or texting them on 07855 828282

Checking if you’re covered

To find out if you already have breakdown cover included on your policy you can check this in your documents 24/7 in our Customer Hub.

Alternatively you can also select "Make a Claim" on the policy you want to check, which will show you all the available claim options for your policy. If the information for your breakdown provider isn’t showing here then it means that you do not currently have it on your policy.

It is important to check that you do have breakdown cover as it is an optional extra which means you’ll only have it on your policy if you’ve chosen to add the cover.

You can add breakdown cover to your existing Car Insurance policy mid-term, either by contacting us or, if you are making a change to your policy online, you will get the option to add it to your basket in our Customer Hub before you complete the change.

Please note however that only the UK Roadside Breakdown element of cover is available for the first 24 hours after you’ve taken out the cover.

If you add EU breakdown cover, any claims made within the first 10 days will not be covered.

If you already have breakdown cover on your policy, you can check what is covered by viewing your policy wording in our Customer Hub.

If you need to make a claim for breakdown cover, you can find out how to do this in the Claims section of our FAQs.