Van Insurance

Mirrored No Claims Discount

Great news! Budget Insurance has joined the new band of van insurance providers offering mirrored NCD.

Many insurers only allow you to apply your No Claims Discount to one vehicle and only the policy holder can benefit from this. That’s where Budget Insurance is different. We have joined a revolutionary new band of insurers who reward customers for experienced driving.

What is Mirrored No Claims Discount?

If you have earned No Claims Discount on another vehicle that is not the vehicle you are insuring either as a named driver or the main policy holder, you may be able to apply your No Claims Discount to another vehicle.

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

To benefit from Mirrored No Claims Discount you must:

  • Be the policy holder of another active UK car or van insurance policy or;
  • 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 or;
  • 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?

Please be advised that you may be asked to provide proof of your No Claims Discount within 7 days of the start date of your policy. 

This information can often be found on the policy’s Statement or Schedule of Insurance. We may also accept another document from your current insurer providing it meets the following criteria:

  • It must be for an active policy on a different vehicle to the one being insured with us
  • It must show the No Claims Discount in years or percentage
  • It must clearly state your name as the  policy holder or as a named driver with husband/ wife or civil partner of the policy holder status
  • It must be for a car or van – we cannot accept No Claims Discount from motorcycle policies

If you aren’t able to provide proof, the cost of your policy will increase, and in some cases, may be cancelled

Need a Budget Van 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.