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No-claims discount

Start your plan with a saving of up to 65%

If you don’t already have private health insurance, you start on a 65% no-claims discount. At the end of every plan year, we give you a no-claims discount on next year’s premium.

For every claim-free year you have, you’ll move up one level on our scale:

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Level 1 2 3 4 5 6 7 8 9
% discount off basic premium rate 0 10 20 30 40 50 55 60 65


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 for each person who claims, however many claims they make.

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 receive. 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%.

Level  10 11 12
% discount off basic premium rate 70 75 80
Vitality status required Silver Gold Platinum
                       

 

Vitality linked no-claims discount

By engaging with our Vitality partners you could earn a no-claims discount of up to 80%. There are three extra no-claims discount levels - 70%, 75% and 80%. Your maximum no-claims discount level depends on your Vitality status and whether or not you make a claim. You can also use your Vitality status to protect your no-claims discount.

 

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

The no-claims discount doesn’t apply to Worldwide Travel Cover and Dental Cover, so claims for these don’t affect your discount. Claims for all elements of our Vitality GP benefit, NHS Hospital Cash Benefit, Lifestyle Surgeries and Childbirth Cash Benefit don’t affect your no-claims discount either. See our terms and conditions for more.

 

Frequently asked questions

Here are a few of the questions we’ve answered for our members

Does the no-claims discount apply to the plan or to individuals?

The no-claims discount applies to the plan, so if anyone on your plan makes a claim, your no-claims discount in your next year will be lower.

I’m switching from another insurer. Can I keep my no-claims discount?

You’ll need to send us your renewal quote and certificate of insurance. Then we’ll 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%.

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