What is No Claims Discount?

No Claims Bonus (NCB) / Bonus-Malus are ways of acknowledging claim free driving.  
(They are factored into your quote, to give you the best possible price.)

Within the UK, we use the No Claims Bonus (NCB) system.  At the end of each year, you will receive a renewal offer from your current insurer, which will state your current NCB. It normally goes up by 1 every year if you do not make a claim.

At Marshmallow, we recognise your claim free driving in the UK and outside of the UK so your proof can be NCB or Bonus-Malus. 😊

⬇️ Want more information? Look below: ⬇️

What is NCB/NCD/Bonus-Malus?

In the UK you get No Claims Bonus (NCB) / No Claims Discount (NCD) for every year you drive without making a claim.  (It’s the UK equivalent of Bonus-Malus.)

At Marshmallow, we want to understand your whole driving experience (and maximise your savings), which is why we accept the UK’s NCB and their various international equivalents.

There are some limitations that we should note:

  • NCB / Bonus-Malus must be for claim free driving with a car. We cannot accept claims free driving on motorbikes or other vehicles.
  • There are times when we can’t accept your NCB even when it was earned whilst driving a car.  (E.g. If there was a large gap between the time when you earned your NCB and now.  We will accept gaps of up to 3 years.)

Proving your NCB / Bonus-Malus

We will ask you to provide proof that of your claim free driving.  This proof must come from your previous insurer.  (Many of our customers send in the renewal notice from their existing insurer.)

The good news is - all you need to do is take a photo of your document and send it to us.  (You can’t get simpler than that 😊)

The information we need is:

  • Number of years NCB or Bonus/Malus ratio
  • Details of any claim
  • Policy expiry date
  • The contact details of your previous insurer including the telephone number, email address, fax number and postal address.

The bad news is – if you can’t prove your NCB/Bonus-Malus, you will lose the discounts for claim free driving

What’s the difference between NCB / NCD?

There is no difference.  They are two names for the same thing.  (We use the term NCB.)

Is my NCB / NCD affected if I join Marshmallow?

No, it is not! 😊

What is No Claims Discount?

No Claims Bonus (NCB) / Bonus-Malus are ways of acknowledging claim free driving.  
(They are factored into your quote, to give you the best possible price.)

Within the UK, we use the No Claims Bonus (NCB) system.  At the end of each year, you will receive a renewal offer from your current insurer, which will state your current NCB. It normally goes up by 1 every year if you do not make a claim.

At Marshmallow, we recognise your claim free driving in the UK and outside of the UK so your proof can be NCB or Bonus-Malus. 😊

⬇️ Want more information? Look below: ⬇️

What is NCB/NCD/Bonus-Malus?

In the UK you get No Claims Bonus (NCB) / No Claims Discount (NCD) for every year you drive without making a claim.  (It’s the UK equivalent of Bonus-Malus.)

At Marshmallow, we want to understand your whole driving experience (and maximise your savings), which is why we accept the UK’s NCB and their various international equivalents.

There are some limitations that we should note:

  • NCB / Bonus-Malus must be for claim free driving with a car. We cannot accept claims free driving on motorbikes or other vehicles.
  • There are times when we can’t accept your NCB even when it was earned whilst driving a car.  (E.g. If there was a large gap between the time when you earned your NCB and now.  We will accept gaps of up to 3 years.)

Proving your NCB / Bonus-Malus

We will ask you to provide proof that of your claim free driving.  This proof must come from your previous insurer.  (Many of our customers send in the renewal notice from their existing insurer.)

The good news is - all you need to do is take a photo of your document and send it to us.  (You can’t get simpler than that 😊)

The information we need is:

  • Number of years NCB or Bonus/Malus ratio
  • Details of any claim
  • Policy expiry date
  • The contact details of your previous insurer including the telephone number, email address, fax number and postal address.

The bad news is – if you can’t prove your NCB/Bonus-Malus, you will lose the discounts for claim free driving

What’s the difference between NCB / NCD?

There is no difference.  They are two names for the same thing.  (We use the term NCB.)

Is my NCB / NCD affected if I join Marshmallow?

No, it is not! 😊

How can we help?

Want to find more? Select from a help category below.

Manage your policy

Information about your account,  payments and making a change to a policy

Buying a policy

Help for new customers on getting a quote from Marshmallow

About us

Learn more about Marshmallow insurance and how to get in touch

ID check

Information about the ID Check and how to complete it

No Claims Discount

Learn more about how your driving history can affect the price of your policy

Verification documents

Information about proof of address, proof of occupation and V5 documents

Policy information

Information about what is and isn’t included in your Marshmallow insurance policy

Claims

All you need to know about making a claim