Information about your No Claims Bonus

Protected No Claims Bonus

This allows you to make one or more claims before your bonus is reduced. However, it does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

How your Protected No Claims Bonus is awarded

The table below shows the average NCB discount awarded to our motor insurance policyholders last year according to their number of NCB years.

Number of years No Claims Bonus

Average NCB Discount in 2021

One year NCB

8%

Two years NCB

13%

Three years NCB

17%

Four years NCB

26%

Five years NCB

27%

Six years NCB

28%

Seven years NCB

30%

Eight years NCB

31%

Nine years or more NCB

37%

The following tables show what would happen to your NCB years if you were to make one or more claims in the next 12 months with and without this protection.

Unprotected No Claims Bonus

1 Claim

2 Claims

3 Claims

Start with 1 year NCB

Nil

Nil

Nil

Start with 2 years NCB

Nil

Nil

Nil

Start with 3 years NCB

1 yr

Nil

Nil

Start with 4 years NCB

2 yrs

Nil

Nil

Start with 5 years or more NCB

3 yrs 1 yr

Nil

Protected No Claims Bonus

1 Claim

2 Claims

3 Claims

Start with 1 year NCB

Nil

Nil

Nil

Start with 2 years NCB

Nil

Nil

Nil

Start with 3 years NCB

Nil

Nil

Nil

Start with 4 years NCB

4 yrs 4 yrs 2 yrs

Start with 5 years or more NCB

5 yrs 5 yrs 3 yrs
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