Year 1 (no claim)
20% discount on Own Damage premium at first renewal.
No Claim Bonus
Understand your NCB before you claim.
No Claim Bonus is a discount you earn for every claim-free year. It can cut your Own Damage premium by up to 50%. Make sure you don't lose it by mistake.
What is NCB
A reward for driving carefully. Highlights include: Understand.
The No Claim Bonus is a discount insurers give on your Own Damage premium at renewal, as a reward for a claim-free year. It applies only to the OD component, not to Third Party premium.
How the discount grows year on year.
Year 2 (no claim)
25% discount.
Year 3 (no claim)
35% discount.
Year 4 (no claim)
45% discount.
Year 5+ (no claim)
50% discount (the maximum).
Any claim in a year
NCB resets to 0% at the next renewal, unless you have NCB Protection add-on.
Take your NCB to a new vehicle.
When you sell your vehicle, ask us for an NCB retention letter. It's valid for three years and lets you apply the same NCB to the Own Damage premium of your next vehicle, even with a different insurer.
The math before you file a small claim.
If the repair cost is close to what you'd save from your NCB next year, it may be cheaper to pay out of pocket. Talk to us before you file: we'll calculate the trade-off and let you decide.
Protect your NCB.
Add an NCB Protection add-on at your next renewal for a small extra premium. One claim won't reset your bonus.