What if I have earned No Claim Discount on motor insurance overseas?

We will accept no claim discount (NCD) if it was earned from any of the following countries, if you earned NCD elsewhere please contact us.

European Union (EU) and European Economic Area (EEA)

Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus (South), Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden.

Andorra, Australia, Barbados, British Virgin Islands, Canada, Gibraltar, Falkland Islands, Faroe Islands, Hong Kong, Japan, Monaco, New Zealand, Republic of Korea (South), Singapore, South Africa, Switzerland, United States of America, Zimbabwe.

We may ask for proof of your NCD which should:

  • Be in English
  • Be on official company headed paper
  • Be in the main driver’s name
  • Show the vehicle details
  • Confirm the number of years the NCD was built up over
  • Show the date the policy expired


Please note that your NCD will be valid for 2 years after the expiration of your last policy, provided it is not being used on another policy.

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