How do protected no claims work

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In this article. What is a 'no-claims' bonus or discount? 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.

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Find out more by reading our Cookie Policy. No claims bonus explained: How to protect a no claims discount. Share this guide. How does a no claims bonus work? Get a car insurance quote See a range of car insurance quotes in just a few minutes when you compare with Uswitch. Compare car insurance. How long does a no claims bonus last?

Uswitch Car warranty quotes Get a car warranty quote today - Uswitch. In this guide. What happens to my no claims bonus if I need to make a claim? How long does a no claims bonus last without insurance? Can I protect my no claims discount? Can a no claims bonus be used on more than one car?

Can named drivers build up a no claims discount? You can pay to guarantee or protect your NCB. The difference between the Guaranteed and Protected schemes is with Protected, if you keep on making claims in consecutive insurance periods, you can lose the protection and ultimately, some of your discount too.

Where your bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal. 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. What is a no claims bonus?