At Magic Quote we believe the "No Claims Discount" system is a punishment for all drivers. If you have an accident, all your hard-earned discount will be lost; it is completely unfair as it only looks at the past. Insurance companies use the no claims system to recover the cost of a claim over many years. This means you will still be paying over the odds for something that happened in the past - even up to five years later!

Magic Quote have removed the no claims bonus system and replaced it with a high excess.

By swapping the no claims discount for a higher policy excess, we can offer real savings for drivers currently paying high premiums, offering a clean slate, and a policy that looks forwards, not back.This means that drivers pay the initial cost of any claim and then it is forgotten about. We will not hold that claim against you when you renew your car insurance. All Magic Quote policies have an excess of £3000 and a low total premium. This allows us to do away with the no claims bonus system and guarantees your renewal premium will not increase due to a claim.
If you take out a Magic Quote policy, you know exactly where you stand, there is no illusion. It′s simple - we give you a fantastic price for car insurance cover and you pay a maximum of £3000 should you make a claim.
This approach has improved driver behaviour, which means YOU get lower premiums.