Your no claims discount

How your no-claims discount works

AT THE END OF EVERY PLAN YEAR, WE GIVE YOU A NO-CLAIMS DISCOUNT ON YOUR NEXT YEAR'S PREMIUMS. THE NO-CLAIMS DISCOUNT YOU START WITH CAN BE UP TO 65%.

As long as you have your health insurance with us:

If someone on your plan makes a claim, your no-claims discount in your next year will be lower. It moves down two levels on the scale below for each person who claims, however many claims they make.


0% 10% 20% 30% 40% 50% 55% 60% 65%

For every claim-free year you have, you’ll move up one level on the scale.The no-claims discount you start with depends on your circumstances:

- If you don’t already have private health insurance, you start on a no-claims discount of 65%.

- If you already have private health insurance with another provider and want to switch to us, we need to work out how much no-claims discount you can start on. To do this we look at how many relevant claims you’ve made, and how long you’ve been insured. You may still get a no-claims discount of 65%.

Vitality linked no-claims discount

- By engaging with Vitality you could qualify for an enhanced no-claims discount of up to 80%. There would be three additional no-claims discount levels of 70%, 75% and 80%. Your maximum no-claims discount level will depend on your Vitality status, and whether or not you make a claim.

- By engaging with Vitality you could also protect your no-claims discount. The level of protection will depend on your Vitality status, and whether or not you make a claim.

Some claims don’t affect your no-claims discount:

- The no-claims discount doesn’t apply to Worldwide Travel Cover and Dental Cover. So it doesn’t affect your discount if you claim on either of these.

- Claims for the NHS Hospital Cash Benefit, Assistance at Home and the Childbirth Cash Benefit don’t affect your no-claims discount either. For more information, please refer to our terms and conditions document.

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