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Car Insurance
Car insurance with zero no claims bonus
No claims bonus is a significant factor in calculating your car insurance premium. Drivers with zero no claims can face higher premiums but Endsleigh might be able to help. We search through a panel of 50 insurers when preparing your quote and many of these companies offer an introductory discount. We insure thousands of drivers every month who are without 'no claims discount'.
Endsleigh also have schemes that offer up to 75% discount for a maximum no claims bonus.
No claims discount scale
Although the discounts vary between insurance companies, typically the scale of no claims bonus works along these lines:
- Zero No Claims Bonus - Introductory Discounts Only (see below)
- 1 year no claims - 30% discount
- 2 years no claims - 40% discount
- 3 years no claims bonus - 50% discount
- 4 years no claims bonus - 60% discount
- 5 years or more no claims bonus - 65-75% discount
What happens when you make a claim?
When you make a claim your no claims bonus is 'stepped back' by two years - This means that you do not accrue the year of no claims you were building towards and you lose two years of no claims you have already built. Once you have reached the top of the scale, you do not gain any additional years of no claims bonus.
The above scale will give you some idea of the impact that this will have on your discount, although the scales do vary within our own panel of schemes.
Of course Endsleigh offer the opportunity to protect your no claims bonus. This is usually available to those with a maximum no claims bonus.
Endsleigh Insurance Services Limited is authorised and regulated by the Financial Services Authority. This can be checked on the FSA Register by visiting its web site at www.fsa.gov.uk/register.
Endsleigh Insurance Services Limited. Company No: 856706 registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.