Find out more about your no claims bonus
Want to find out more about your no claims bonus, and how it all works? You're in the right place - here's everything you need to know.
What's a no claims bonus?
A no claims bonus (NCB) is the discount you get when you haven't claimed on your insurance in more than a year.
Unprotected no claims bonus
This is the standard. It means if you made a claim, we'll remove or reduce your no claims bonus.
You'd need to start building it up again to get your discount back.
Protected no claims bonus
A protected no claims bonus means you can make one or more claims before your bonus changes. It's an add-on you can pay for when you take out your policy.
Heads up - it doesn't protect the overall price of your policy. Your price could still go up after an accident, even if you weren't at fault.
What discount can I get with my protected no claims bonus?
Here's the average discount we gave our motor customers last year based on their NCB years:
Number of years no claims bonus |
Average no claims bonus discount in 2025 |
|
1 year |
16% |
|
2 years |
16% |
|
3 years |
16% |
|
4 years |
16% |
|
5 years |
16% |
|
6 years |
16% |
|
7 years |
16% |
|
8 years |
16% |
|
9+ years |
18% |
What happens if I make a claim?
Here's what would happen to your no claims bonus if you made a claim in the next year.
Unprotected no claims bonus
If you have an unprotected no claims bonus, this is how much it would change if you made a claim.
Your NCB now |
If you make one claim |
If you make two claims |
If you make three claims |
|---|---|---|---|
1 year |
No NCB |
No NCB |
No NCB |
2 years |
No NCB |
No NCB |
No NCB |
3 years |
Drops to 1 year |
No NCB |
No NCB |
4 years |
Drops to 2 years |
No NCB |
No NCB |
5+ years |
Drops to 3 years | Drops to 1 year |
No NCB |
Protected no claims bonus
If you've chosen a protected no claims bonus, this is how much it would change if you made a claim.
Your NCB now |
If you make one claim |
If you make two claims |
If you make three claims |
|---|---|---|---|
1 year |
No NCB |
No NCB |
No NCB |
2 year |
No NCB |
No NCB |
No NCB |
3 year |
No NCB |
No NCB |
No NCB |
4 year |
Stays at 4 years | Stays at 4 years | Drops to 2 years |
5+ year |
Stays at 5 years | Stays at 5 years | Drops to 3 years |