Why does a non-fault claim affect my no claims discount?

If you don’t have protected no claims, a non-fault claim can affect your discount. This will happen if the claim is still open when you renew, and we're still waiting to settle the claim with other person's insurance company.

Your no claim discount will reduce in line with our step back scale:



When we recover all of our claims costs back from the person involved in the incident, your no claim discount will be reinstated to what it was before the claim.

If you have protected no claim discount, this won’t be affected by a claim unless you've made more than 2 claims in the policy year (or in any three year period if you choose to renew with us). If you exceed this number of claims, you'll lose your no claim discount protection and it will reduce in line with the step back scale shown below:



This information is for Tesco Bank Car Insurance policyholders. Tesco Bank Box Insurance policyholders please select the Box Insurance FAQ category or search at the top of this page.
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