They are both the same in that they will discount your policy as you are rewarded for your previous driving. However, in most cases, an earned No Claims Discount will mean you get more of a discount than if you just have an introductory discount for named driving experience, fleet driving experience, or second family car discount.
In the event that you have a claim will lose an introductory discount we allow, but your earned No Claims Discount will be protected with either stepback or full protection. Can I earn a No Claims Discount as a named driver?
No, unfortunately not. What happens to my No Claims Discount if I have a claim? Assuming a valid claim is made, the effect on your No Claims Discount depends on what section the claim is under and what type of protection applies to your policy. Some sections allow you to claim and have no effect on your No Claims Discount — you should consult your policy booklet for full details.
Will a windscreen claim affect my no claims discount? No, a claim for windscreen repair or replacement will not affect your No Claims Discount.
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Q: What happens to my no claims discount if I cause an accident? Q: Can named drivers build up no claims? So usually, if you're a new driver using your parents' policy or are the second driver of your spouse's car, you'll start from zero if you get your own car insurance in the future. Q: What if I get into an accident and don't tell my insurer?
Sorting out the costs of an accident privately might sound like a good way to avoid impacting your no claims discount, but it's never a good idea. This could result in your insurer refusing to deal with the claim, declaring your policy invalid, and could also affect your no claim discount. You still don't have to make a claim, it's just important to let them know what's going on.
Q: What is no claims discount protection — and do I need it?
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