Loyalty Discount FAQs

Is my No Claim Bonus linked to my new Loyalty Discount?

The No Claim Bonus is separate from the new Loyalty Discount. If you are eligible for a No Claim Bonus this will also be applied to your policy1.

When will I receive my Loyalty Discount on my other policies?

Your Loyalty Discount will be applied to each of your eligible policies on their next renewal date1.

Is my Loyalty Discount affected by any claims I make?

Any claims you make will not affect your Loyalty Discount level.

Which policies are eligible?
Policy TypesEligible to count towards a discountEligible to receive a discount
All car and motorbike policies



Vintage, Veteran & Classic Car



Home Buildings, Home Contents and combined Home Buildings and Contents2






Caravan (On-site & Touring)








Retail Business Insurance



My policy is in joint names. How is the Loyalty Discount calculated?

Each named policy holder has an individual Loyalty Discount. We identify which owner has been with
us the longest and has the most policies, then apply the highest Loyalty Discount to the joint policy. The
Loyalty Discount is recalculated at each renewal1.

What happens to the policies I have in a business name?

To receive a Loyalty Discount your eligible policies must be in the same name. For example, John has four policies: a home policy and boat policy in his name (John Smith), and two car policies in his business name (John’s Plumbing). He gets a Loyalty Discount based on two policies (home and boat) and John’s Plumbing will get a separate Loyalty Discount based on the two car policies.

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Things you should know

1Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.

2A combined Home Buildings and Contents policy counts as two policies.

3A combined Landlord Buildings and Contents policy counts as two policies.