Car Insurance

Mirrored No Claims Discount

Who can benefit and what is Mirrored NCD?

Our exclusive Mirrored No Claims discount will benefit customers who want to insure a car with either 0 years or limited No Claims Discount as they will be able to use NCD that is currently in use on another vehicle to get a discount on their insurance 

Additionally, customers who do not have another vehicle insured in their own name but have earned years of NCD as the husband, wife or civil partner of the policyholder will be able to use this to get the same level of discount on their policy with us. 

named driver on other vehicle

Drive Other Vehicles
Budget Policy Holder

potential for Mirrored No Claims Discount

Courtesy Vehicle


Total excess
Insurance Premium Tax

How do I know if Mirrored No Claims Discount applies to me?

Legal documents

Be the policy holder of another active UK car or van insurance policy.

Who we act for

Be a named driver on another active UK car or van insurance policy and be the husband, wife or civil partner of the policy holder.


Live at the same address as the policy holder and; Have driven the car or van claim free for as little as 1 year.

What do I need to provide as proof in order to get Mirrored No Claims Discount?

In line with our terms and conditions, you may be asked to provide proof of your claim free driving experience within 7 days of the start date of your policy.

You will often find this information on the policy’s Statement or Schedule of Insurance. If you don’t have either of these we can also accept any other document from the current insurer providing it meets the following criteria:

Please note: You may see ‘Mirrored NCD’ referred to as ‘Experienced Driver Discount’, ‘Named Driver Discount’, ‘Other Vehicle NCD’ or ‘2nd Vehicle NCD’ within your policy and supporting documentation.

Need a Budget Car Insurance Quote ?

Budget Insurance offers simple, flexible car insurance whatever level of cover you’re looking for.

We’re currently experiencing a high volume of calls into our contact centre and whilst we are doing our very best to maintain service levels, we ask that you only call our contact centre if absolutely necessary so we can keep our phone lines available  for vulnerable customers and those who don’t have access to online services.

If you need to check any details or make a change to your policy, please  log in to your Self-Service Centre. It will be much quicker for you to make changes to your policy online at the moment. Once logged in, you can also use our Webchat service which is available Monday- Saturday 8am-6pm and Sunday 10am-4pm to make changes, accept or decline your renewal or if you need to let us know about a claim. To log in, please click here.

We also have some other information that may be useful. Click here to read our FAQ’s, and information on what we are doing to support key workers can be found here.