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 do I get the Loyalty Discount on the policies I already have?

When you get a new eligible policy, your Loyalty Discount1 may increase for the policies you already have. For your existing eligible policies any change to your Loyalty Discount generally applies from the next renewal after you qualify.

If you become eligible for an updated Loyalty Discount around the time your existing policies are due for renewal, the updated Loyalty Discount may not be applied to those renewing policies (the updated discount will be applied on the subsequent renewal).

You’ll get the Loyalty Discount immediately on your new eligible policies1.

If we’ve already sent you a renewal notice, or your Loyalty Discount has changed and isn’t correct on your renewal notice, call us on 133 233 before you renew.

For more information, read the Premium, Excess and Discounts Guide on the policy booklets page.

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.