NO CLAIM BONUS

Can I protect my No Claim Bonus?

Knowing how to protect your No Claim Bonus will help you keep your discount when it comes to renewal time, even if you make a claim. Generally, like with our Saga Standard cover where Protected No Claim Discount cover is an optional extra, insurers ask you to pay an additional amount on top of your car insurance premium to protect you against losing a No Claim Bonus after an accident. But with Saga Plus and Saga Select Comprehensive policies, Protected No Claim Discount cover is included as standard if you have four or more years' No Claim Discount.

Saga Car Insurance can protect your No Claim Discount entitlement from going down (although that doesn’t protect your premium from going up at renewal). You can even keep your No Claim Discount if you’ve had a fault claim in the last three years – it will only be reduced if you make more than two fault claims in three consecutive years of insurance.

How long can you keep a No Claim Bonus for?

If you have current car insurance, your No Claim Bonus will continue to build over a number of years. But what if you have a period of time where you don’t have car insurance?

With Saga car insurance policies, your No Claim Discount will be valid for two years after the end of your last policy, provided it isn’t being used on another policy. If your No Claim Bonus is no longer valid, you’ll need to build it up again from scratch.

How do I get my No Claim Bonus proof?

When you apply for Saga insurance, we’ll ask you how much No Claim Bonus you already have. You may not always be asked for proof of your No Claim Bonus, but if you are, you should know how to check your No Claim Bonus status.

Your No Claim Bonus might be stated on the paperwork from your current insurer when they send a renewal notice, or you may need to request the information from them directly.

If we need more information, we’ll attempt to contact your previous insurer, and if we can’t confirm your No Claim Discount that way, we’ll write to you asking for written proof.

You can send us originals or photocopies of:

• previous insurer's renewal notice
• No Claim Discount letter
• broker's proof.

Written proof must clearly show names and dates. You can email your No Claim Discount proof directly to us, or send it to:

NCD Validation, Saga Services Limited, PO Box 253, Seaham DO, SR7 1BN.

Contact our Customer Service team for further information on 0800 302 9735.