Family
What is a no-claims bonus on car insurance?
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In short: A discount for each year you do not claim — often building to 60%–70% off after five or more claim-free years. Proof is required when switching insurers.
Last reviewed:
Reviewed by Kaiser Khan
One at-fault claim typically steps you back two to three years on the discount scale.
Protected no-claims bonus costs extra but limits step-back after a claim.
See no-claims bonus explained guide.
Primary source: gov.uk/vehicle-insurance
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