When it comes to reducing the cost of your home insurance, one of the simplest and most rewarding tools available is your no claims bonus. It reflects the number of years you’ve gone without needing to make a claim, and while your cover is always there to support you when something happens, building up a no claims bonus can offer valuable savings over time.
Whether you are new to home insurance or have been a homeowner for years, this guide explains how an NCB works, what you can expect from Aviva, and how to make the most of your discount.
What is a no claims discount for home insurance?
Think of your no claims discount (NCD) as a way to reduce the cost of your home insurance based on the number of years you haven’t needed to make a claim. With Aviva, each consecutive year without a claim increases the discount applied to your premium, building up to the maximum level after five years.
If you are a first-time buyer or brand new to residential insurance, Aviva also offers a generous 25% introductory no claims discount, so you do not start from zero. It is a simple, effective way to help keep your home cover costs down while still having the reassurance that your policy is there for you when you need it.
How much can you save with a no claims discount?
Aviva’s NCD is structured on a clear sliding scale, reflecting the number of years you’ve gone without needing to make a claim. As this builds up, the discount applied to your premium increases.
Here is what you can earn:
- 1 year: 15%
- 2 years: 18%
- 3 years: 25%
- 4 years: 35%
- 5+ years: 40% (maximum)
If you are new to home insurance, the 25% introductory no claims discount gives you a strong head start towards long-term savings. These home insurance discounts can make a real impact on your premium while still giving you full access to your cover whenever you need it.
How do you prove your no claims bonus as a new Aviva customer?
If you are switching insurers or setting up a new policy, you may need to provide proof of your no claims bonus. Thankfully, it is usually straightforward.
You can usually find your no claims bonus on:
- Last year’s renewal letter
- Your home insurance policy schedule
- A confirmation letter from your previous insurer
Having this proof ready ensures your new premium reflects the bonus you have earned.
I’m an existing Aviva customer, where can I get my no claims bonus statement?
You can get your no claims bonus statement through MyAviva 24/7.
Is it worth protecting your no claims bonus?
Your no claims bonus is one of the most effective ways to keep your home insurance premium low, especially once you have built up several years of no claims. Protecting it means being mindful about how and when you claim and making the most of Aviva’s benefits.
Here is how to keep your bonus intact:
Consider handling smaller issues yourself
For incidents costing around the same as your excess, it may be more cost-effective to pay out of pocket rather than submit a claim.
Keep your policy details handy
Having easy access to renewal documents or your My Aviva account helps you understand how different types of claims could affect your no claims discount.
Think long term
Your NCD grows more valuable each year up to the five-year maximum so protecting it can lead to meaningful savings over time.
Frequently Asked Questions
What happens to my no claims bonus when I switch insurers?
You retain your no claims bonus, provided you can show proof of your claim-free years. Aviva accepts no claims bonus earned with other insurers.
Which Aviva insurance products offer a no claims discount?
- Home insurance (up to 40% after five claim free years)
- Motor insurance also add (up to 50% after 5 claim free years)
How many years of no claims do I need for the maximum discount?
Five claim-free years will earn you Aviva’s maximum home insurance no claims discount (NCD) of 40%.
How can I avoid losing my no claims bonus?
- For very minor issues, you may choose to handle them yourself, but your Aviva home insurance remains fully available to support you whenever you need to make a claim.
- Check which claims do not impact your no claims discount (NCD), such as Aviva’s jury duty service benefit, so you can understand how different situations may affect your discount while still relying on your policy when needed.
How much is the no claims discount at Aviva?
You can earn up to 40% off your home insurance after five years without a claim. If you’re new to home insurance, you will receive a 25% introductory no claims discount.
Do not miss out on even more savings
Along with your no claims discount, Aviva also offers 20% off home insurance Footnote [1] when you buy online, giving you an extra saving on top of any no claims discount (NCD) you have earned. Whether you are a first-time buyer starting with our 25% introductory discount or a long-term homeowner with years of no claims bonus built up, combining both offers can make your premium even more affordable. It is a simple way to get great value while keeping your home protected.
