No Claim Bonus

The No Claim Bonus is a discount that's applied to your premium to reward you for having a good claims history.

The information below explains our No Claim Bonus discount and eligible products.

Depending on your claims history and driving experience, you may get a No Claim Bonus of between 0% and 60%. You then move up one discount level after each claim free year, until you reach the 65% No Claim Bonus.

60% is the highest No Claim Bonus available when you take out a new policy.

65% Claim Free Privilege is awarded when you've held 60% No Claim Bonus for 1 claim free year. The privilege provided is a maximum 65% No Claim Bonus.

65% Claim Free Privilege Plus is awarded when you've held 65% Claim Free Privilege for 1 claim free year. The privilege provided is a maximum 65% No Claim Bonus plus free No Claim Bonus Protection.

65% Claim Free Privilege Life is awarded when you've held 65% Claim Free Privilege Plus for 3 claim free years. The privilege provided is a maximum 65% No Claim Bonus protected for the life of your policy.

Staying Claim Free means you don't make any 'non-recoverable' claims where we're unable to attempt to recover the costs of your claim.

With No Claim Bonus Protection, you can make one claim in a Policy year and your No Claim Bonus will stay at the same level. However, it won't count as a claim free year, if you have protection and make more than one claim in a policy year, your No Claim Bonus Discount level will be reduced.

Depending on your claims and insurance history, you may get a No Claim Bonus of between 0% and 20%. You then move up one discount level after each claim free year, until you reach the 25% No Claim Bonus.

20% is the highest No Claim Bonus available when you take out a new policy.

25% Claim Free Privilege is awarded when you've held 20% No Claim Bonus for 1 claim free year. The privilege provided is a maximum 25% No Claim Bonus.

25% Claim Free Privilege Plus is awarded when you've held Claim Free Privilege for 1 claim free year. The privilege provided is a maximum 25% No Claim Bonus plus free No Claim Bonus Protection.

25% Claim Free Privilege Life is awarded when you've held Claim Free Privilege Plus for 3 claim free years. The privilege provided is a maximum 25% No Claim Bonus protected for the life of your policy.

Staying Claim Free means you don't make any 'non-recoverable' claims where we're unable to attempt to recover the costs of your claim.

With No Claim Bonus Protection, you can make one claim in a Policy year and your No Claim Bonus will stay at the same level. However, it won't count as a claim free year, if you have protection and make more than one claim in a policy year, your No Claim Bonus Discount level will be reduced.