No Claims Bonus: Your Handy Guide
What is a No Claims Bonus?
No Claims Bonus (also known as a No Claims Discount) refers to the number of years you have had a policy in your own name without making a claim. The confirmation of your entitlement will usually appear in your renewal invitation, or you can ask your insurance provider to send it to you.
Your Endsleigh No Claims Bonus (NCB) will be included in your renewal invitation which will be in your online account around 21 days before your renewal date.
No Claims Bonus is earned on each vehicle you own. Whilst it can be transferred to an alternative car, it cannot be used for multiple vehicles at the same time. We are also unable to accept NCB earned on a motorcycle policy.
Can you provide No Claims Bonus for named drivers?
With our policies it is only the policyholder who earns a No Claims Bonus - we do not provide No Claims Bonus proof for any named drivers.
How is my No Claims Bonus affected after an accident?
If your policy is due for renewal and you have made a claim on your car insurance policy where you were at fault or your insurer was unable to recover all costs from another party, your No Claims Bonus will be reduced and your premium may increase. However, you can opt to protect your NCB to save yourself money at renewal.
How do I protect my No Claims Bonus?
If you have accumulated 4 years or more No Claims Bonus, you can choose to protect it. Protecting your No Claims Bonus means that in the event of a claim your No Claims will be retained at the same level at renewal, even if you are at fault. There may be a limit to the number of claims you're able to make while protecting your No Claims Bonus, and each insurer will have their own terms and conditions. Read your policy documents to find out what’s covered.
Remember, No Claims Bonus protection cannot be added as a mid-year adjustment - it must be included when the policy begins (or renews), or within the first two weeks of the policy start date.
All insurers will also have eligibility rules, which means that not every insurer will offer the protection to all drivers. For example, some insurers won't offer protected No Claims Bonus if there have been previous claims on a policy.
Will a windscreen claim affect my No Claims Bonus?
If you have windscreen cover with Endsleigh and you make a claim for glass only and there is no other damage (except scratches made by the glass), your No Claims Bonus will not be affected.
Log in to your online account here to see if you have windscreen cover on your policy. If you have comprehensive car insurance your policy will automatically include windscreen cover.
Why does No Claims Bonus have to be earned in the last two years?
If your No Claims Bonus hasn’t been in use on a policy in your own name within the last two years, it may become invalid. This means that if you have not had a policy in your name within the last two years, you will need to enter ‘0 years’ no claims when you get a quote.
Please note that our maximum No Claims Bonus level is 9 years, so it will automatically be displayed as such on your renewal notice. This is the same for many insurance companies, and they commonly cap discount between 5 - 9 years.
If you would like to talk to us about sending evidence of more than 9 years No Claims Bonus, please call us on 0333 234 1558.
What proof do I need to send for my No Claims Bonus when I take out a policy with Endsleigh?
In order to obtain your No Claims Bonus, we may ask you for proof. This needs to be a copy of a renewal invitation, cancellation notice, or letter from your previous insurer which shows your No Claims Bonus entitlement.
Your no claims bonus proof must also meet the following criteria:
- Must be earned in the UK or Republic Of Ireland or
- Earned outside the UK with correct country of origin approved before policy purchase, subject to our underwriters terms and conditions
- In the name of the policyholder
- Not more than 24 Months old
- Not used on any other vehicle
- On a private car motor policy
To find out how to send your documents to us, including our address, please visit our contact page.