What is a no-claims bonus and how does it affect my premium?

A no-claims bonus (NCB) is a discount offered by insurers for each year you don’t make a claim on your car insurance policy. It’s a reward for safe driving and can significantly reduce your premium over time.


NCBs accumulate annually, with higher discounts for more claim-free years (up to a certain limit).


Some insurers offer “no-claims bonus protection,” which allows you to make a limited number of claims without affecting your NCB.


If you switch insurers, you can usually transfer your NCB to your new policy.

Keep in mind that if you make a claim, your NCB may be affected, and your premium could increase.

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