insurethebox gives newer drivers access to Protected No Claim Discount (PNCD) after just 1 year of driving

Telematics insurance pioneer, insurethebox, has taken a major industry step to give young drivers earlier access to the benefits of Protected No Claim Discount.  The new initiative means insurethebox policyholders will be able to protect their No Claim Discount after just one year of driving. The scheme bucks the general industry trend of only giving Protected No Claim Discount after 3 or 4 years of no claims.

Designed to encourage safer driving, a No Claim Discount (NCD) is applied for the number of consecutive years a motorist has driven without making a claim. insurethebox recognises that young drivers are more likely to have an accident in their first few years of driving when NCD discounts are the most significant. To help them combat the pressures of high car insurance costs insurethebox is making PNCD available to anyone with one or more years of no claims, allowing policyholders to make up to two claims before the NCD is lost.

In 2019, insurethebox customers saved an average 28% on their policy after their first year of no claims driving. The second year of NCD increased the savings to 36% on average. This illustrates the benefit of being able to protect the NCD in the early years of driving. With insurethebox, this saving could be in addition to a renewal discount based on good driving behaviour with black box data used to calculate personalised premiums.


Gary Stewart, Service Manager at insurethebox, said:

“The high costs associated with driving can act as barriers to motorists of all experience levels, which is why we want to give our policyholders an opportunity to protect their No Claim Discount as early as possible in their motoring life.  Usually insurers will only offer PNCD once they have seen several years’ evidence of good driving, but we want to provide that benefit to newer motorists.”


“Whilst protecting your NCD means that the number of years accumulated are protected in the event of an accident (maximum two claims within four years)1, it is not the same thing as protecting your premium – your overall price may still rise. Factors such as changing car or moving to a more crime-ridden area may still affect the overall pricing of your policy.”

insurethebox policies offer an initial 6,000, 8,000 or 10,000 miles of cover. Through a black box installed in the vehicle, it uses individual driver data to determine the risk profile of each policyholder and calculate their premiums. insurethebox shares driving data with each customer through a personalised online portal empowering them to better manage their driving habits, in order to reduce their insurance risk profile – and possibly their renewal premiums. In this way, insurethebox helps young motorists make positive changes to their driving behaviour. And the introduction of the PNCD policy is a further step in empowering young drivers.



1The insurethebox PNCD policy criteria, Section 10, page 16:



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Notes to Editors


Insure The Box Limited launched in June 2010 with its first product, insurethebox, and now holds over 5 billion miles of driving data and associated claims. As well as insurethebox and drive like a girl (another Insure The Box brand) it also administers other telematics offerings. Insurethebox is owned by Aioi Nissay Dowa Europe Limited, part of the major Japanese insurance group MS&AD Holdings, Inc. The group is taking a leading role in the development of technologies that will change the face of motor insurance and the way we view the car.