When it comes to car insurance, not all claims need to spell the end of your No Claims Bonus. That’s where Step-Back Bonus Protection comes in - a smart feature offered through its4women.ie that helps protect your discount even if you need to make a claim.

Let’s break it down.

What is Step-Back Bonus Protection in Car Insurance?

Step-Back Bonus Protection is a feature built into all its4women.ie car insurance policies that helps protect your No Claims Bonus (NCB). If you make a claim, instead of losing your discount completely, you ‘step back’ a few years. This means you keep part of your hard-earned bonus, helping you save money on future car insurance premiums in Ireland.

This is different from a standard No Claims Bonus, where one claim could drop you all the way back to zero. Step-back means you "step back" a few years instead of starting from scratch.

How Does Step-Back Bonus Protection Work?

Here’s how your No Claims Bonus is affected if you make a single claim under this protection:

➡️ If two or more claims happen within one insurance year, your No Claims Bonus (NCB) will be reduced to zero, regardless of how many years you had built up.

What Type of Claims Don’t Affect Your No Claims Bonus?

Not every claim will trigger a step-back. The following types of claims do not reduce your No Claims Bonus:

• Windscreen claims (if windscreen cover is shown on your schedule)

• Emergency treatment payments required by law

• Claims that are fully recovered from a third party

• Personal belongings or lock replacement claims

So, if you need a windscreen repaired or your car is broken into, your No Claims Bonus won’t be impacted.

Who Can Avail of Step-Back Bonus Protection?

Step-Back Bonus Protection applies automatically to all its4women car insurance policies. If you’ve built up a No Claims Bonus and make a claim, this protection will be applied unless your schedule shows otherwise.

This makes it especially valuable for:

• Careful drivers who want to avoid losing their full discount after an isolated incident

• Customers with 3+ years of no claims bonus, where a partial step-back still keeps significant savings intact

• Anyone who wants peace of mind, knowing their efforts behind the wheel won’t be completely wiped out by a single claim

Does Step-Back Mean Your Premium Won’t Increase?

While Step-Back Bonus Protection helps preserve your No Claims Discount, it's important to note that your premium may still increase at renewal after a claim. That’s because other factors - such as your claims history, vehicle type, and driving profile - also affect your motor insurance premium.

Final Thoughts on Step Back Bonus Protection

Step-Back Bonus Protection is a quiet hero in your its4women policy. It helps soften the blow of a claim, so one mistake doesn’t undo years of careful driving. Whether you're just starting to build your No Claims Bonus or protecting five years or more, this built-in feature gives you a valuable buffer.

If you want full protection for your Not Claims Bonus (NCB), its4women also offer Full Bonus Protection as an optional extra.  

Ready to check your cover or view your No Claims Bonus?
Log into your online account or contact the team at its4women.ie.