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.
Protected no claims bonus
A protected no claims bonus lets you make one or more claims before your bonus is reduced.
Remember, it doesn't protect the overall price of your insurance policy. The price of your insurance policy could still increase after an accident, even if you weren't at fault.
Unprotected no claims bonus
With an unprotected no claims bonus, it'll be removed or reduced if you make even one claim.
How our protected no claims bonus works
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 year |
16% |
3 year |
16% |
4 year |
16% |
5 year |
16% |
6 year |
16% |
7 year |
16% |
8 year |
16% |
9+ year |
18% |
What happens if you make a claim
These tables show what would happen to your no claims bonus years 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'd be reduced 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 |
Drops to 1 year |
No NCB |
No NCB |
4 year |
Drops to 2 year |
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'd be reduced by 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+ years |
Stays at 5 years |
Stays at 5 years |
Drops to 3 years |