Updates to our average No Claim Discount (NCD) tables 2025
The Competition and Markets Authority (CMA) Protected No Claims Discount (PNCD) Information Order requires average No Claim Discount (NCD) tables to be updated by insurers on an annual basis from 1 February every year.
The Order also requires brokers who trade personal lines motor insurance to submit an annual compliance statement to the CMA by 1 February every year. This needs to include copies of average NCD for the insurers you trade with.
We’ve updated our new NCD averages on our Private Car and Your Van product pages.
What are our NCD averages?
| Number of years No Claim Discount (NCD) | Average No Claim Discount (NCD) in 2025 |
| One year NCD | 23% |
| Two years NCD | 29% |
| Three years NCD | 29% |
| Four years NCD | 33% |
| Five years or more NCD | 37% |
If you have any questions about this, please contact your Broker Development Manager.