No Claims Discount (NCD) / No Claims Bonus (NCB) / Bonus-Malus (B/M) are ways of acknowledging claim free driving.
(This can be factored into your quote, to give you the best possible price.)
Within the UK, we use the No Claims Discount (NCD) system. At the end of each year, you will receive a renewal offer from your current insurer, which will state your current NCD. 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 NCD, NCB or Bonus-Malus. 😊
⬇️ Want more information? Look below: ⬇️
What is NCD/NCB/Bonus-Malus?
In the UK you get No Claims Discount (NCD) / No Claims Bonus (NCB) 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 NCD / NCB and their various international equivalents.
There are some limitations that we should note:
Proving your NCD / 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:
The bad news is – if you can’t prove your NCD/NCB/Bonus-Malus, you will lose the discounts for claim free driving
What’s the difference between NCD / NCB?
There is no difference. They are two names for the same thing. (We use the term NCD.)
Is my NCD / NCB affected if I join Marshmallow?
No, it is not! 😊