Car Insurance for Drivers with Zero or Low No Claims Bonus
Affordable Insurance for Drivers with Zero No-Claims Bonus
- Specialist insurance for drivers without No-Claims Bonus
- Policies for drivers with NCB earned as a named driver
- Start building up your No Claims Bonus today
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.
If you have a No Claims Bonus from an EU country, we can help you find an insurer that will accept your foreign No Claims Bonus.
Can there be a gap in a No Claims Bonus?
A gap in your no claims bonus (NCB) can occur for many reasons such as changing from being the main driver to a named driver (who don’t usually receive a NCB), taking a break from driving or living overseas.
It will vary between insurers, but a NCB will generally only last for two years. If your gap is longer than this, you may need to contact the company your NCB is with. They may still be willing to transfer it to a new policy. If not, you should shop around for an insurer who will accept it otherwise you will have to start again from scratch.
Can you transfer a No Claims Bonus from a company car?
Not every insurer will accept driving experience on a company car policy towards a private one. For insurers that do, they may require written evidence such as a letter from your employer confirming details of the vehicle. They may also only be willing if you had sole use of the car and whether it was insured for Social, Domestic and Pleasure (SDP).
Can you transfer a motorbike No Claims Bonus to a car?
If you are planning to trade your motorbike for something with more wheels, you may be wondering whether you can move your existing no claims bonus (NCB).
Many insurers acknowledge that your years of sensible experience driving a motorbike will transfer into the seat of a car. This is especially important for young drivers who may have started driving on the road but have decided to change for a more practical vehicle.
If you are in the unfortunate position of having to start your no claims discount again from nothing, Complete Cover Group can help you find an affordable quote even with zero no claims bonus.
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 Only | Motor Assistance UK & EU |
|---|---|---|---|
| Cost | £45.95 | £65.95 | £74.95 |
| Roadside Assistance – 10 Mile Limit | |||
| Misfuelling Cover | |||
| Roadside Assistance & Nationwide recover Service | |||
| Homecall | |||
| Alternative Travel or Accommodation | |||
| Message Relay | |||
| Alternative Driver | |||
| Accident Hospitalisation | |||
| European Cover |
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 | |
|---|---|
| Excess Covered | Cost |
| £350 | £36.95 |
| £500 | £51.95 |
| £750 | £67.95 |
| £1000 | £82.95 |
| £1500 | £108.95 |
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.
As a tradesman, you’ve no doubt invested heavily on a range of tools that you rely on to do your job. Having to repair or replace those tools could not only cost you in the short term, but leave you unable to work.
Tools in Transit cover offers protection for your tools if they are lost, destroyed or damaged whilst they’re being transported in your vehicle, temporarily housed in it, or being loaded onto or unloaded off it.
With levels of cover between £500 and £5,000, we have options to suit a range of tool collections:
| Tools in Transit | |
|---|---|
| Level of Cover | Cost |
| £500 | £32.95 |
| £1000 | £42.95 |
| £2,500 | £63.95 |
| £5,000 | £83.95 |
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.
Complete Car Cover
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Specialist insurance for drivers with zero or low No Claims Bonus.
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Partnerships with leading UK insurance companies
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Cover for drivers with motoring convictions
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Great value polices and affordable payment options available
