No Claims Bonus

Please click on a question below to reveal the answer.

You only need to send us proof of your No Claims Bonus if we ask for it. If we have requested it you can upload your No Claims Bonus proof in your Customer Portal.

No Claims Bonus (NCB) is a way of giving safer riders our best price. For every year you continuously hold insurance and don't have any claims that are classed as your fault, you may get a discount on your premium. The more years claim free that you have, the more discount you may receive.

When you get a quote, you'll be asked how many years NCB you have. If you are eligible for a discount, this will be reflected in your premium.

You only need to send us proof of your NCB if we ask for it. You can upload your proof, if we request it via your Customer Portal and it must:

  • Be in the name of the policyholder
  • Be less than two years old
  • Show the number of years claim free
  • Have been earned in the last three years.

If you have been asked to send in your Proof of NCB please access the Customer Portal.

We have insurance companies on our panel that accept a No Claims Bonus that is up to three years old. To find out more, please contact us.

No, your No Claims Bonus must have been earned in the United Kingdom.

No, although some insurers may offer an introduction discount subject to criteria. For more information, please contact us.

Yes, as these are a part of your motor driving history.

Yes, we offer No Claims Bonus protection. This MUST be selected when you purchase your policy as it cannot be added after your policy start date.

If the claim is one of the following:

  • A collision where the third party admits liability and we make a full recovery of all costs and expenses incurred;
  • Emergency treatment fees;

then your No Claims Bonus will not be affected.

All other claims are likely to impact your No Claims Bonus. The number of years lost from your bonus will depend on your insurer's terms and conditions, and can be found in your insurers statement of fact.

You can protect your No Claims Bonus for an additional premium at policy inception.

Your renewal invitation will state how many years' No Claims Bonus you currently hold. Your new insurer will accept this as proof. You may need to send them the full renewal notice.