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 2024 |
|
One year NCB |
17% |
|
Two years NCB |
17% |
|
Three years NCB |
17% |
|
Four years NCB |
17% |
|
Five years NCB |
18% |
|
Six years NCB |
18% |
|
Seven years NCB |
18% |
|
Eight years NCB |
18% |
|
Nine years or more NCB |
25% |
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 |