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 2016

1

16%

2

23%

3

27%

4

30%

5

32%

6

34%

7

36%

8

39%

9 or more

43%

 



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  • 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 9th February 2016. If your policy was purchased earlier than this please visit the My Account area for your most up to date documents.