Home Insurance No Claims Discount

Compare Home Insurance No Claims Discounts Across UK Market

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You could save up to £165*. Save time and money. One short form to complete, tailor a policy to suit your needs and compare providers
*51% of consumers could save £165.27 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023. The savings you could achieve are dependent on your individual circumstances.

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 above.

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.