What is a no-claims bonus worth? How can a claim affect my no-claims bonus? What claims don't affect my no-claims bonus? Should I protect my no-claims bonus?
How does no-claims bonus protection work? Can I transfer my no-claims bonus to a new policy? Do I need proof of my no-claims bonus? Make your money go further. Find the best deals, avoid scams and protect your savings and investments. Join Which? More on Car Insurance.
Car insurance reviews. Making a car insurance claim. Car insurance: add-ons, fees and charges. Gap insurance explained. All on Car Insurance. Latest insurance news. The seven things that scare insurers — and what you can do to get affordable cover. Related guides in Which? After a year, you'll have 12 months NCB to benefit from. With a few insurers named drivers can earn NCB, which can be helpful when they come to take out their own insurance policies.
You just need to ask the new insurer what evidence they need. Normally it should be provided by your existing insurer. It varies across insurers, but your careful driving could cut the price of your buildings and contents insurance too, depending on the insurer. If you have two cars you can build up your NCB on each car separately or consider a multi-car policy.
Some apply your discount across all the cars you've covered. You can protect or guarantee your NCB too.
If you have several years claims-free driving under your belt, then it might be worth spending extra to protect it. NCB protection should allow you to make a claim, or even more than one, without impacting your discount, or only reducing it by a year or two - it varies between insurers.
However, our motor premium calculation will include the discount to which you are entitled. Each policyholder on the MultiCar policy builds up their own no claims bonus. If one policyholder makes a claim and loses some or all of their no claims bonus, it doesn't affect the other policyholders.
MultiCover includes home insurance with your existing MultiCar Insurance. It's a great way to reduce the time you spend on the phone to an insurance agent as well as the number of policies you need to keep track of.
If you make a claim on your home insurance while on a MultiCover policy it won't affect your motor no claims bonus. Mirroring NCB for a second car is not a guarantee and is subject to criteria including the policyholder being the main user of both vehicles, claim-free, over years-old and a new policy only. If you're a new customer and you need to submit your no claims bonus proof from your previous insurers, you can do so through our online form.
Lifestyle Guides No claims bonus - how it works to give you discount. Justin Beddows 26 October Updated 13 October 5 minute read. Can I insure two cars with the same no claims discount? Can I use my no claims discount on two policies? How can I get a no claims bonus on a second car? Does a multi-car policy automatically mean I get a mirrored NCD on all my vehicles?
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