Our no-claims discount calculator shows the premium value of your accumulated NCD. After 5 years: 60-70% discount. A single claim can wipe out years of NCD — calculate whether it is cheaper to pay for minor damage yourself.
No-Claims Discount Estimator
Estimate how much your no-claims discount (NCD) is worth and how a claim would affect your premium.
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Enter your current NCD level — years claim-free — and your base premium. The calculator shows the discount applied at each NCD level up to the maximum (usually five or more years) and the premium at each stage. NCD discounts are substantial: five years no-claims can reduce premiums by 60-75% with most insurers. Protected NCD add-ons allow a specified number of claims without losing the discount — the cost of protection is typically 10-15% added to the discounted premium. Whether NCD protection is worthwhile depends on the premium, the number of protected claims allowed, and your own assessment of accident risk. One small claim can cost several years of NCD — the calculator helps assess the premium difference at various NCD levels to inform whether making a claim or paying out of pocket is more cost-effective.