Home Insurance No Claims Discount

When it comes to insurance, companies tend to reward customers who never made a claim on their policies. This can really help to get a good deal on your home insurance as no claims discounts can substantially reduce premiums. Check out the latest home insurance deals and no claims discounts in the tables, or get quotes with one of the comparison sites below:

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Compare a wide range of deals side-by-side to help you find the best cover at the best price.

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*10% of Confused.com home insurance customers saved over £256 against their previous renewal price (Oct-Dec 2012)

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Compare more than 87 insurance companies. 99% of people could save on home insurance and you could save as much as £116.32.
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ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

The amount that you can benefit from not having made any claims on your policy varies between different insurance providers, and the period of no claims, so consumers are advised to look at a number of different home insurance quotes when purchasing  a policy.

While being claim-free for the first year of a home insurance policy can lead to reductions in premiums, the biggest savings (up to 70% with some insurers) are reserved for those individuals who have not made a claim for a number of consecutive years.

There are a number of points about home insurance no claims discounts to consider:

  • The key thing to keep in mind here is that the smallest claim will wipe out a no claims discount, and could mean a significant rise in cost, so every claim should be carefully considered.
  • If you switch your home insurance policy to another provider, your new insurer should offer you some form of discount for your lack of claims. This is not an industry standard though so make sure you inquire about it before committing.
    The no claims discount for home insurance is built up by the policyholder so it might be worth taking out a policy with both partners named.
  • You can sometimes purchase protection for your no claims bonus, at an additional premium, which might save you money if you have to make a claim, because your premiums would not go up as a result.
  • Different companies will offer you different home insurance quotes that will affect your no claims in different ways, so if it is important to you make sure you protect it.