Your no claims bonus (also called no claims discount or NCB) can have a big impact on your car insurance price. If you've built up claim-free years, it's worth understanding how NCB works and what happens if you change car, change insurer, or make a claim.
Reviewed by MySupermarketCompare Editorial Team
This guide is for UK drivers who want to:
If you're renewing soon or switching insurers, this page helps you avoid common mistakes. Building NCB alongside age and experience can lead to more competitive quotes - drivers over 25 and especially drivers over 50 often benefit from combining both factors. See our car insurance if you're over 25 guide. If you're taking out your first policy with no NCB yet, see our first-time car insurance page for initial policy setup advice. Note that NCB is separate from penalty points, which affect your record differently.
No claims bonus is a discount many insurers apply when you've gone a number of years without making a claim on your policy.
NCB is usually measured in years (for example 1 to 9 years). How much discount you get can vary depending on the insurer and your overall risk profile.
In general, more NCB years can help reduce your premium, but pricing still depends on many factors, including:
Your age, driving experience, claims history, and any convictions.
Your car type, insurance group, and where the car is kept overnight.
Your postcode, annual mileage, and how you use the car.
Cover type, excess level, and any optional extras you choose.
Different insurers may treat the same NCB years differently, which is why comparing quotes can be useful.
This depends on the insurer and the type of claim.
In many cases:
Always check your insurer's policy wording for how NCB is affected.
Often yes, but you may need to provide proof (such as a renewal notice or confirmation of NCB years). Insurers may ask for evidence within a certain timeframe after the policy starts.
If you switch providers, be sure the NCB years you enter match your documents.
Usually, you can only use the same NCB on one policy at a time. Some insurers offer separate discounts for multi-car arrangements, but standard NCB generally isn't duplicated across multiple policies.
Entering the wrong number of NCB years
Assuming NCB automatically transfers without proof
Forgetting that a recent claim may affect NCB
Confusing named-driver experience with policyholder NCB
Letting evidence deadlines pass when switching insurer
Being accurate from the start helps avoid policy changes later.
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Start a Quote in 2 Minutes →This page was created to help UK drivers understand no claims bonus (NCB), how it typically works, and what to consider when comparing car insurance quotes. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.
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