Can I protect my No Claims Bonus?


If you have accumulated 4 years or more No Claims Bonus (also known as No Claims Discount), you can choose to protect it. However, all insurers have eligibility rules which means that not every insurer will offer the protection.  For example, some won't allow Protected No Claims Bonus cover if there have been previous claims on a policy.

Protecting your No Claims Bonus means that in the event of a claim your No Claims wouldn't be stepped back a number of years and would be retained at the same level at renewal.  Each insurer will have their own terms and conditions which are included in your insurance documents.

Please Note: 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 2 weeks of the policy start date (the 'cooling off' period).