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 could get a No Claim Bonus of between 0% and 60%1.

You move up one discount level after each year that you're claim-free, until you reach the maximum 65% No Claim Bonus1.

60%1 is the highest No Claim Bonus available when you get a new policy.

65% Claim Free Privilege1 is earned after you've had a 60% No Claim Bonus1 for one claim-free year.

65% Claim Free Privilege Plus1 is earned after you've had 65% Claim Free Privilege1 for one claim-free year. This includes free No Claim Bonus Protection.

65% Claim Free Privilege Life1 is earned after you've had 65% Claim Free Privilege Plus1 for three claim-free years. At this discount level, your 65% No Claim Bonus1 is protected for the life of your policy.

A claim-free year means a year when you don't make any 'non-recoverable' claims. Non-recoverable claims are where we're unable to attempt to recover the costs of your claim.

No Claim Bonus Protection means you can make one claim in a policy year and your No Claim Bonus level won't change.

If you have No Claim Bonus Protection and make more than one claim in a policy year, your No Claim Bonus Discount level will be reduced.

Things you should know

1 Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.

Depending on your claims and insurance history, you could get a No Claim Bonus of between 0% and 20%1.

You move up one discount level after each year that you're claim-free, until you reach the maximum 25% No Claim Bonus1.

20%1 is the highest No Claim Bonus available when you get a new policy.

25% Claim Free Privilege1 is earned after you've had a 20% No Claim Bonus1 for one claim-free year.

25% Claim Free Privilege Plus1 is earned after you've had a 25% Claim Free Privilege1 for one claim-free year. This includes free No Claim Bonus Protection.

25% Claim Free Privilege Life1 is earned after you've had a 25% Claim Free Privilege Plus1 for three claim-free years. At this discount level, your 25% No Claim Bonus1 is protected for the life of your policy.

A claim-free year means a year when you don't make any 'non-recoverable' claims. Non-recoverable claims are where we're unable to attempt to recover the costs of your claim.

No Claim Bonus Protection means you can make one claim in a policy year and your No Claim Bonus won't change.

If you have No Claim Bonus Protection and make more than one claim in a policy year, your No Claim Bonus Discount level will be reduced.

Things you should know

1 Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount.