Trustpilot
Show More

Ask an Expert

How can I find out if I have a no-claims bonus?

Car insurance premiums can be significantly cheaper for drivers who have a no-claims bonus. So, how do you find out if you have it?

A great place to start is with your policy documents. If your car insurance is up for renewal, take a look at your renewal letter as your discount should be outlined there. Alternatively, if you’ve decided to switch insurers, you may find your no claims discount is on your cancellation letter. Some insurers simply write letters stating that you have a bonus, as well.

But if you’d like to know before deciding whether to renew or switch, then just call up your insurance provider and they’ll be able to tell you how much bonus you’ve accrued. If you’ve decided to switch, you’ll need to supply proof of your no claims bonus, so your current provider can either note this in a formal letter or contact your new insurer directly. Each insurer handles the process differently.

If you don’t have a discount but are certain you’ve not made a claim, then contact your insurance provider to discuss why this might be.

*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Related guides

Car Insurance with a CD10 Conviction

A CD10 conviction covers a wide range of driving offences in the UK. This guide outlines some of those offences, and explains how a conviction can affect your car insurance premiums in the future.

Top Tips on Buying a Car for Your Children

Your child has just passed their driving test, and you’ve decided to help them buy a set of wheels. You’re not alone: one in six UK parents help their child purchase their first car, contributing an average of 45% of the total cost, according to a survey from Parkers.If you contribute financially, you can influence the vehicle your child gets and ensure they won’t pester you to borrow your car every weekend.But what should you look for in your child’s first car? The best vehicles for young drivers are affordable to buy, cheap to run and insure, and fitted out with the latest safety features.

A Guide to Cat S Car Insurance

If you’re buying a used car, researching car insurance, or wondering what happens after an accident, you may come across the term 'Cat S' (short for 'Category S'). Basically, 'Cat S' indicates that a car is a 'write off' — but it doesn't necessarily mean it is only good for scrap.Here, we'll take a closer look at what Cat S means, how it compares with other write off categories, and everything you need to know about buying, repairing, selling, and insuring Cat S cars in the UK.