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. 

When you call us to make a claim, your claims handler should explain what will happen to any NCB you’ve earned. 

In most cases, if you have five or more years’ NCB (and you don’t have NCB protection), we’ll reduce it to three years if you make a first claim. For every claim you make after that, we’ll reduce it by a further two years. 

But you’ll be happy to know that, with Prima, your NCB is not affected if:

  • You only claim for damage to your car’s windscreen, windows or sunroof
  • You’re hit by an uninsured driver
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