Car Insurance for Drivers with Zero or Low No Claims Bonus
Affordable Insurance for Drivers with Zero No-Claims Bonus
- Great value policies for cars with alloy wheels, exhaust modifications, and lowered suspensions
- Specialist insurance for body modifications including spoilers and body kits
- Cover for engine modifications, ECU remapping and more…
Drivers that are lucky enough to have gone years without needing to make a claim on their car insurance, reap the rewards when it comes to their insurance premiums. But what can you do if you’ve lost your No Claims Bonus after making what your insurer considers to be an ‘at fault’ claim, or you’ve been an additional driver on someone else’s policy and unable to build up any No Claims Bonus in your own name?
It’s a question that affects many drivers.
Your premium can go up substantially if you’ve lost your No Claim Bonus, especially if you’re a young driver. This can seem especially unfair if the accident was due to factors such as weather – for example, if your car skidded on a wet road, even though you were driving within the speed limit. If the other driver was at fault but wasn’t insured, you can also lose your no-claims discount and the same applies if your car is damaged by vandals. Having a driving conviction only makes matters more complicated.
How Complete Cover Group Can Help with Insurance for Drivers with Zero No Claim Bonus
At Complete Cover Group, we work hard to ensure that you can get affordable insurance for zero No Claims Bonus years. We have years of expertise, a great panel of leading UK insurers and expert knowledge of specialist policies to help drivers like you.
It makes a great difference when you explain things to a skilled insurance broker who uses their in-depth knowledge of the market to put together insurance for your individual needs. And of course, once you have the insurance in place, you can start building up those no-claims years again.
Click for an online quote or speak to our team on 0800 997 8232
Select Additional Products
To make sure that all of our customers experience the same level of claims service, regardless of the insurer they choose, we sell Motor Legal Cover with all car policies.
Motor Legal Cover provides up to £100,000 for legal expenses to help you recover any financial losses from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs and recovering your excess. You’ll also get assistance arranging a courtesy car if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
|Benefits||Roadside Assistance||Motor Assistance
UK & EU
|Roadside Assistance – 10 Mile Limit|
|Roadside Assistance & Nationwide recover Service|
|Alternative Travel or Accommodation|
Call us on 0800 997 8232 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £36.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
|TPF&T or Comprehensive|
Call us on 0800 997 8232 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £25,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Make sure you’re not stuck if your car is off the road after an accident or theft.
Your insurance company may provide you with a courtesy car if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement car.
With Replacement Car you’ll be provided with a car for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £32.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your car unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £37.95 for the year. Call us on 0800 997 8232 to add this to your cover.
The cost of replacing lost, stolen or damaged gadgets can quickly mount up, so at £41.95 for the year Gadget Cover could be the most cost effective way to protect your valuable electronics. Cover includes protection for a wide range of electrical items including mobile phones, iPhones, sat navs, laptops, tablets, iPads, iPods, cameras, camcorders, and Kindles.
Benefits of Gadget Cover
- Protects your valuables inside or outside your vehicle, meaning you can claim for gadgets without having to pay your car insurance excess or risk losing your no claims bonus.
- You can avoid claiming for lost, stolen or damaged gadgets on your household contents insurance, meaning you won’t pay a large household policy excess.
- Could save you the cost of a separate mobile phone insurance policy!
Only £41.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Protect yourself against the costs that come with losing your keys.
Key Care covers costs incurred through the loss or theft of vehicle keys, including locksmith charges, new keys, car hire costs and reprogramming immobilisers.
Only £17.95 for the year. Call us on 0800 997 8232 to add this to your cover.