What will happen to my no claims bonus if I make a claim?
A no claims bonus (NCB) is a discount insurers give you for not claiming in previous years.
What happens to the NCB years that you've earned after a claim depends on whether or not you have NCB protection.
If you don't have NCB protection
Without NCB protection, you will lose some or all of your NCB years after a claim.
If you had less than five NCB years at the start of your policy, you'll lose two years per claim at renewal.
If you had five or more NCB years at the start of your policy, your NCB will drop to three years after one claim. For any further claims, you'll lose a further two years.
If you do have NCB protection
With NCB protection, you can make up to two claims on your policy without affecting your NCB years.
It's worth noting that NCB protection doesn't protect the overall price of your policy though. Your premium could still increase after an accident, even if it wasn't your fault.
A few exceptions
There are a few types of claims which won’t affect your NCB – even if you don’t have NCB protection.
Whichever cover plan you have with us, you won’t lose any NCB if you make a claim:
- On any of your policy add-ons, such as breakdown or motor legal cover
For an incident that’s not your fault, so long as we get back all losses from the person responsible
If you have our Prima, Prima Plus or Prima Premier plan, you won’t lose any NCB if you make a claim:
- Only for glass damage
For an accident involving an uninsured driver that’s not your fault (so long as you get the uninsured driver’s details)
If you have our Prima Plus or Prima Premier plan, you also won’t lose any of your NCB if you make a claim for damage caused by vandalism. This is so long as you have a crime reference number and help the police with their enquiries.
