The new Loyalty Discount replaces both of these previous discounts
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 policy
Your Loyalty Discount will be applied to each of your eligible policies on their next renewal date
Any claims you make will not affect your Loyalty Discount level
|Which policies count towards and receive a Loyalty Discount?|
|Policy Types||Eligible to count towards a discount||Eligible to receive a discount|
|Car and Motorbike: All policies|
|Vintage, Veteran & Classic Car|
|Home* : All policies|
|Landlord* : All policies|
|Caravan (Onsite & Touring), Boat, Trailer|
|Retail Business Insurance|
*Home Buildings & Contents Insurance Combined counts as two policies.
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 renewal.
To receive a Loyalty Discount your eligible policies must be in the same name. For example, John has 4 policies: a home policy and boat policy in his name (John Smith), and 2 car policies in his business name (John’s Plumbing). He gets a Loyalty Discount based on 2 policies (home and boat) and John’s Plumbing will get a separate Loyalty Discount based on the 2 car policies.