No Claims Bonus Protection
No claims bonus protection (NCBP) doesn't protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you weren't at fault.
NCBP allows you to make one or more claims before your number of no claims bonus (NCB) years falls. Please see our step-back procedures below for details.
Example - how your NCB would be affected at renewal if you made a claim or claims during the period of insurance.
|
Number of years NCB at the start of your policy |
NCB at next renewal without NCB protection |
NCB at next renewal with NCB protection |
||||||
|
0 claims in 12 months |
1 claim in 12 months |
2 or more claims in 12 months |
0 claims in any 5 year period |
1 claim in any 5 year period |
2 claims in any 5 year period |
3 claims in any 5 year period |
4 or more claims in any 5 year period |
|
|
0 |
1 |
0 |
0 |
N/A |
||||
|
1 |
2 |
0 |
0 |
|||||
|
2 |
3 |
0 |
0 |
|||||
|
3 |
4 |
1 |
0 |
|||||
|
4 |
5 |
2 |
0 |
5 |
4 |
4 |
2 |
0 |
|
5 |
6 |
3 |
0 |
6 |
5 |
5 |
3 |
0 |
|
6 |
7 |
4 |
0 |
7 |
6 |
6 |
4 |
0 |
|
7 |
8 |
5 |
0 |
8 |
7 |
7 |
5 |
0 |
|
8 |
9 |
6 |
0 |
9 |
8 |
8 |
6 |
0 |
|
9 |
10 |
7 |
0 |
10 |
9 |
9 |
7 |
0 |
|
10 |
11 |
8 |
0 |
11 |
10 |
10 |
7 |
0 |
|
11 |
12 |
9 |
0 |
12 |
11 |
10 |
7 |
0 |
|
12 |
13 |
10 |
0 |
13 |
12 |
12 |
7 |
0 |
|
13 |
14 |
11 |
0 |
14 |
13 |
13 |
7 |
0 |
|
14 |
15 |
12 |
0 |
15 |
14 |
14 |
7 |
0 |
|
15 |
16 |
13 |
0 |
16 |
15 |
15 |
7 |
0 |
|
16 |
17 |
14 |
0 |
17 |
16 |
16 |
7 |
0 |
|
17 |
18 |
15 |
0 |
18 |
17 |
17 |
7 |
0 |
|
18 |
19 |
16 |
0 |
19 |
18 |
18 |
7 |
0 |
|
19 |
20 |
17 |
0 |
20 |
19 |
19 |
7 |
0 |
|
20 or more |
20 or more |
18 |
0 |
20 or more |
20 or more |
20 or more |
7 |
0 |
Example - the average NCB discount given to our customers last year.
|
Number of years NCB |
Average NCB discount in 2020 |
|
1 |
8% |
|
2 |
15% |
|
3 |
14% |
|
4 |
12% |
|
5 |
14% |
|
6 |
16% |
|
7 |
16% |
|
8 |
19% |
|
9 or more |
31% |
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Why Choose Us?
- Over 50 years' experience of providing UK car insurance
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Policy documents
View our policy documents for more information about what we cover.
These documents are relevant to all policies taken out after 1st November 2018. If your policy was purchased earlier than this please visit the My Account area for your most up to date documents.