No Claims Bonus - how it works to give you discount

Justin Beddows


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Get advice on buying your car insurance policy and how your No Claims Bonus works

Every year you drive without making a claim or having a claim upheld against you, we give you a discount off your renewal premium.

If there are still no claims on your policy, you keep getting a discount. You can build up this bonus for a maximum of 15 years.

Don't forget, with our Bonus Accelerator, you could get a whole year's No Claims Bonus in just 10 months.



Can I bring my Bonus with me from another insurer?

Yes, you'll just need to send us the renewal notice your previous insurer sent you and your proof of No Claims Bonus which they will also provide.

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What happens if I make a claim?

It depends what the claim is for; payments for windscreen damage or emergency treatment fees won't affect it. Likewise, if the accident was the other person's fault and we recover all the money from their insurers, you won't lose your No Claims Bonus.
Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you'll lose two years of the Bonus.

So, if you had five or more years No Claims Bonus, it would change to three years at renewal.

You'd still get a discount off your premium, and it wouldn't take so long to build it back up.

If you make two claims during the period you're insured for, you'd lose four years No Claims Bonus, and if you made three or more claims during the period you're insured for, you'd lose them all.

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Safeguarding your No Claims Bonus

Apart from driving safely, the other way to look after your No Claims Bonus is to pay an extra fee to guarantee or protect it.

Guaranteeing your Bonus means making a claim won't reduce it but you won't add any extra discount for that insurance period.

While protecting it allows you to make two claims in a three year period before the bonus gets reduced and, as with guaranteeing it, you won't add any discount for that period.

The difference between the Guaranteed and Protected  schemes is  with Protected, if you keep on making claims in consecutive insurance periods, you can lose the protection and ultimately, some of your No Claims Bonus too.

Where your Bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal. However, our motor premium calculation will include the discount to which you are entitled. You can read the details in our policy booklet.


Can a named driver on my policy earn their own No Claims Bonus?

Yes, they can build up their own No Claims Bonus to use on another Admiral policy, ready for when they take out their own insurance. It's ideal if you've put your son or daughter on your policy, as it should help make their insurance easier to afford when they have their own car.


What about MultiCar?

Each driver on the MultiCar policy builds up their own No Claims Bonus (it works the same way as named drivers, above). If one driver on the policy makes a claim and loses some or all of their No Claims Bonus, it doesn't affect the other drivers - their No Claims Bonus stays the same.

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