What should I enter as next year’s premium?
Reviewed October 2026 · General guidance; your policy wording and insurer decide your claim.
Use the own-damage premium before NCB from your current policy schedule, or a recent renewal quote. That is the amount the NCB discount is taken from.
If you are not sure, your total premium is a reasonable starting point, but the estimate will be less precise. ClearClaim does not look this up for you.