No Claims Bonus Advice

You can start earning No Claims Bonus from the age of 17. It doesn't matter what type of cover you have accepted, you can start earning NCB.

This page explains how No Claims Bonus works. How to build your NCB. How to avoid losing your earned NCB.

No Claims Bonus is like having an investment. Once you've reached the maximum limit, you will keep saving money every year on your car insurance renewals.

What Does Protected No Claims Bonus Mean?

Protected No Claims Bonus is available to people who have 4 years or more NCB. When you protect your NCB, it means that if you have a claim you will not lose your earned bonus.

Can I Have Protected No Claims Bonus Forever?

NO. Insurers normally allow 2 fault claims in a 5 year period before they take this away from you. For Example: If you had a fault claim today, and another one in 2 years, you've reached your limit. If you have another claim (within 5 years of the first one) you will automatically lose some of your bonus.

Please Note: Some insurers offer a guaranteed No Claims Bonus policy at an extra cost. Remember, you MUST clarify this before you buy the insurance policy.

Will I Lose All My Bonus At Once?

NO. You will lose your bonus in steps of 2 years. For Example: If you had 4 years unprotected NCB, and had a claim..... You will back down to 2 years NCB.