No Claims Bonus (NCB) Explained
No Claims Bonus (NCB) Explained
What Is a No Claims Bonus (NCB)
A No Claims Bonus (NCB), also known as a No Claims Discount (NCD) or claims bonus, is a reduction applied to your car insurance premium for each year you hold a policy in your own name without making a claim. This reduction acts as a financial incentive for safe, claim-free driving and is one of the main ways insurers in Ireland reward responsible motorists.
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How your No Claims Bonus Builds Up.
Your No Claims Bonus is measured in years and builds up annually. Each year you complete without making a claim adds another year to your NCB, increasing the level of no claims discount applied to your car insurance premium. While discount structures vary between insurers, many providers offer their highest level of discount after around five or more consecutive claim-free years. The maximum No Claim Bonus you can earn with its4women is 10 years. Beyond this, we continue to record additional claim-free years even though the discount itself is capped.
The General No Claims Discount Principle
1
Fewer claim-free years → smaller discount
1
Fewer claim-free years → smaller discount
1
Fewer claim-free years → smaller discount
2
Several consecutive claim-free years → much stronger discount
2
Several consecutive claim-free years → much stronger discount
2
Several consecutive claim-free years → much stronger discount
3
After a number of years, you may reach the insurer’s maximum discount level
3
After a number of years, you may reach the insurer’s maximum discount level
3
After a number of years, you may reach the insurer’s maximum discount level
A Typical No Claims Bonus Progression
(Illustrative only – actual discounts vary by insurer)
.01
1 Year Claim-Free → ~10% Discount
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.02
2 Years → ~20% Discount
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.03
3 Years → ~30% Discount
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.04
4 Years → ~40% Discount
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.05
5+ Years → Up to 50–70% Discount (Insurer Dependent)
5+ Years → Up to 50–70% Discount (Insurer Dependent)
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How Claims Affect Your No Claims Discount (NCD)
Making a claim can reduce or remove your No Claims Bonus, depending on your insurer’s rules, the type of claim involved, and whether you have any form of discount protection in place.
Types of Claims That Affect Your No Claims Bonus
Not all claims impact your No Claims Bonus in the same way. How your NCB is affected depends on the type of claim, who was at fault, and your insurer’s policy terms.
At-Fault Claims:
These claims usually have the greatest impact on your NCB. If you are held responsible for an accident or loss, your No Claims Bonus will typically be reduced at renewal unless you have NCB Protection in place.
Non-Fault Claims
In some cases, non-fault claims may not affect your NCB, particularly where the insurer can recover costs from the other party. However, this depends on how the claim is settled and your insurer’s rules.
Windscreen / Glass Claims
Some insurers exclude windscreen or glass claims from NCB calculations, meaning your no claims discount may remain unaffected. Not all insurers apply this in the same way, so policy terms should always be checked.
Multiple Claims
Making more than one claim within a short period can result in a greater reduction to your NCB, or in some cases the complete loss of your accumulated discount, depending on your insurer’s discount scale.
Protecting Your No Claims Bonus (NCB)
Understanding how to protect your No Claims Bonus can make a significant difference to your long-term car insurance costs. Protection options allow you to limit the impact of claims on your accumulated discount.
No Claims Bonus Protection (Discount Protection)
No Claims Bonus Protection is an optional add-on that allows you to make a limited number of claims within a set period, usually one or two claims without losing your accumulated discount.
This means your No Claims Bonus may remain intact after a claim, helping you continue to benefit from lower motor insurance premiums. However, it’s important to note that bonus protection does not guarantee your premium will not increase, as insurers may still adjust pricing based on other risk factors.
No Claims Bonus Protection (Discount Protection)
No Claims Bonus Protection is an optional add-on that allows you to make a limited number of claims within a set period, usually one or two claims without losing your accumulated discount.
This means your No Claims Bonus may remain intact after a claim, helping you continue to benefit from lower motor insurance premiums. However, it’s important to note that bonus protection does not guarantee your premium will not increase, as insurers may still adjust pricing based on other risk factors.
No Claims Bonus Protection (Discount Protection)
No Claims Bonus Protection is an optional add-on that allows you to make a limited number of claims within a set period, usually one or two claims without losing your accumulated discount.
This means your No Claims Bonus may remain intact after a claim, helping you continue to benefit from lower motor insurance premiums. However, it’s important to note that bonus protection does not guarantee your premium will not increase, as insurers may still adjust pricing based on other risk factors.
Step-Back Protection
Step-Back Protection reduces the impact of a claim on your NCB rather than removing it entirely. For example:
After one claim, your No Claims Bonus may only step back by a fixed number of years instead of being fully lost.
After a second claim within the same protection period, your NCB may be reduced further or removed altogether, depending on the insurer.
Step-Back protection is often cheaper than full discount protection while still allowing you to retain part of your earned bonus.
Step-Back Protection
Step-Back Protection reduces the impact of a claim on your NCB rather than removing it entirely. For example:
After one claim, your No Claims Bonus may only step back by a fixed number of years instead of being fully lost.
After a second claim within the same protection period, your NCB may be reduced further or removed altogether, depending on the insurer.
Step-Back protection is often cheaper than full discount protection while still allowing you to retain part of your earned bonus.
Step-Back Protection
Step-Back Protection reduces the impact of a claim on your NCB rather than removing it entirely. For example:
After one claim, your No Claims Bonus may only step back by a fixed number of years instead of being fully lost.
After a second claim within the same protection period, your NCB may be reduced further or removed altogether, depending on the insurer.
Step-Back protection is often cheaper than full discount protection while still allowing you to retain part of your earned bonus.
Why Protection Matters
Protection options are particularly valuable for drivers who have built up several years of No Claims Bonus and want to avoid losing significant discounts after a single incident. While protection helps preserve your No Claims Discount, it should always be reviewed alongside your policy wording, as rules and limits vary between insurers.
Because the way claims, discount protection and step-back protection are applied differs across providers, it is always important to check your individual policy terms before making a claim.
Why Protection Matters
Protection options are particularly valuable for drivers who have built up several years of No Claims Bonus and want to avoid losing significant discounts after a single incident. While protection helps preserve your No Claims Discount, it should always be reviewed alongside your policy wording, as rules and limits vary between insurers.
Because the way claims, discount protection and step-back protection are applied differs across providers, it is always important to check your individual policy terms before making a claim.
Why Protection Matters
Protection options are particularly valuable for drivers who have built up several years of No Claims Bonus and want to avoid losing significant discounts after a single incident. While protection helps preserve your No Claims Discount, it should always be reviewed alongside your policy wording, as rules and limits vary between insurers.
Because the way claims, discount protection and step-back protection are applied differs across providers, it is always important to check your individual policy terms before making a claim.
Transferring Your No Claims Discount to a New Insurer
In most cases, your No Claims Bonus belongs to you as the policyholder rather than to a specific insurance company. This means it can usually be transferred when you switch insurers or change vehicles, provided you are the main policyholder and can supply proof of your claim-free driving history. However, your No Claims Bonus can only be used on one motor policy at a time. Eligibility may also depend on the type of vehicle insured, and gaps in cover can affect how long your NCB remains valid.
Transferring Your No Claims Discount to a New Insurer
In most cases, your No Claims Bonus belongs to you as the policyholder rather than to a specific insurance company. This means it can usually be transferred when you switch insurers or change vehicles, provided you are the main policyholder and can supply proof of your claim-free driving history. However, your No Claims Bonus can only be used on one motor policy at a time. Eligibility may also depend on the type of vehicle insured, and gaps in cover can affect how long your NCB remains valid.
Transferring Your No Claims Discount to a New Insurer
In most cases, your No Claims Bonus belongs to you as the policyholder rather than to a specific insurance company. This means it can usually be transferred when you switch insurers or change vehicles, provided you are the main policyholder and can supply proof of your claim-free driving history. However, your No Claims Bonus can only be used on one motor policy at a time. Eligibility may also depend on the type of vehicle insured, and gaps in cover can affect how long your NCB remains valid.
No Claims Bonus Certificate
A No Claims Bonus Certificate is an official document issued by your insurer that confirms your claims-free driving record. This certificate is essential if you want to transfer your No Claims Bonus to a new policy with another provider. It provides written proof of how many years you have driven without making a claim, along with details of any claims that may have occurred during that period.
When you switch car insurance providers in Ireland, your new insurer will normally require a No Claims Bonus Certificate from your previous insurer to verify your discount. Many insurers issue this automatically when a policy ends, but you can also request it directly if needed. The certificate typically includes your name, policy number, the number of claim-free years and any relevant claims information.
Having this certificate ensures you don’t lose the discount you’ve built up over time. It allows your No Claims Discount to be applied to your new car insurance policy without delay, helping you continue to benefit from your claims-free driving history and potentially reduce the cost of your car insurance premium.
No Claims Bonus Certificate
A No Claims Bonus Certificate is an official document issued by your insurer that confirms your claims-free driving record. This certificate is essential if you want to transfer your No Claims Bonus to a new policy with another provider. It provides written proof of how many years you have driven without making a claim, along with details of any claims that may have occurred during that period.
When you switch car insurance providers in Ireland, your new insurer will normally require a No Claims Bonus Certificate from your previous insurer to verify your discount. Many insurers issue this automatically when a policy ends, but you can also request it directly if needed. The certificate typically includes your name, policy number, the number of claim-free years and any relevant claims information.
Having this certificate ensures you don’t lose the discount you’ve built up over time. It allows your No Claims Discount to be applied to your new car insurance policy without delay, helping you continue to benefit from your claims-free driving history and potentially reduce the cost of your car insurance premium.
No Claims Bonus Certificate
A No Claims Bonus Certificate is an official document issued by your insurer that confirms your claims-free driving record. This certificate is essential if you want to transfer your No Claims Bonus to a new policy with another provider. It provides written proof of how many years you have driven without making a claim, along with details of any claims that may have occurred during that period.
When you switch car insurance providers in Ireland, your new insurer will normally require a No Claims Bonus Certificate from your previous insurer to verify your discount. Many insurers issue this automatically when a policy ends, but you can also request it directly if needed. The certificate typically includes your name, policy number, the number of claim-free years and any relevant claims information.
Having this certificate ensures you don’t lose the discount you’ve built up over time. It allows your No Claims Discount to be applied to your new car insurance policy without delay, helping you continue to benefit from your claims-free driving history and potentially reduce the cost of your car insurance premium.
Process of Transferring Your No Claims Bonus (NCB)
The process of transferring your No Claims Discount to a different insurer typically involves:
Notifying your old insurer that you are cancelling or switching your policy
Requesting proof of your NCB, ideally in the form of a No Claims Bonus Certificate
Notifying your new insurer that you wish to transfer your No Claims Bonus
Providing your new insurer with written proof of your No Claims Bonus.
In Ireland, renewal notices are not typically accepted by insurers as proof of No Claims Bonus. For a cancellation letter to be accepted, it must clearly state the same information found on a No Claims Bonus Certificate, including your name, policy details, and the number of claim-free years.
Process of Transferring Your No Claims Bonus (NCB)
The process of transferring your No Claims Discount to a different insurer typically involves:
Notifying your old insurer that you are cancelling or switching your policy
Requesting proof of your NCB, ideally in the form of a No Claims Bonus Certificate
Notifying your new insurer that you wish to transfer your No Claims Bonus
Providing your new insurer with written proof of your No Claims Bonus.
In Ireland, renewal notices are not typically accepted by insurers as proof of No Claims Bonus. For a cancellation letter to be accepted, it must clearly state the same information found on a No Claims Bonus Certificate, including your name, policy details, and the number of claim-free years.
Process of Transferring Your No Claims Bonus (NCB)
The process of transferring your No Claims Discount to a different insurer typically involves:
Notifying your old insurer that you are cancelling or switching your policy
Requesting proof of your NCB, ideally in the form of a No Claims Bonus Certificate
Notifying your new insurer that you wish to transfer your No Claims Bonus
Providing your new insurer with written proof of your No Claims Bonus.
In Ireland, renewal notices are not typically accepted by insurers as proof of No Claims Bonus. For a cancellation letter to be accepted, it must clearly state the same information found on a No Claims Bonus Certificate, including your name, policy details, and the number of claim-free years.
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Frequently Asked Questions
How can I protect and maintain my No Claims Bonus (NCB)?
To get the most value from your No Claims Bonus, it’s important to manage your policy carefully and protect your claim-free history. The steps below will help you build, retain and make the most of your discount over time:
Keep the policy in your own name: Your No Claims Bonus is linked to the main policyholder, not to named drivers. Always ensure you are listed as the policyholder if you want to earn and keep your NCB.
Avoid small or unnecessary claims where possible: Even a minor claim can reduce your No Claims Bonus and increase your premium at renewal. Where appropriate, paying for minor repairs yourself may help protect your discount.
Maintain continuous insurance cover: Most insurers will only recognise an existing No Claims Bonus for a limited period after your last policy ends (typically up to two years). If the gap in cover is longer than this, your NCB may expire and no longer be accepted.
Be mindful of breaks from driving or car ownership: If you sell your car or take a break from insurance, some insurers may still recognise your NCB for up to two years. Always confirm how long your bonus will remain valid before cancelling a policy.
Declare overseas driving history if returning to Ireland: If you have been living abroad and are moving or returning to the Republic of Ireland, some insurers may accept proof of claim-free driving from overseas. Inform your insurer and provide documentation where required.
Keep records of your claim-free history: When switching insurers, you’ll usually need a No Claims Bonus (NCB) Certificate. Renewal notices are not generally accepted in Ireland, and cancellation letters are only accepted if they include the same details as an NCB certificate (such as your name, policy number and the number of claim-free years). Always request and keep your NCB certificate when ending a policy.
Protect your No Claims Bonus once it has value: If you’ve built up several years of NCB, adding No Claims Bonus Protection or Step-Back Protection can help safeguard your discount after a claim and prevent you from losing years of savings.
Provide proof promptly when changing insurers: Submitting your No Claims Bonus documentation quickly helps ensure your discount is applied to your new policy without delays.
Understand the limits of named driving: While being a named driver may help you access introductory discounts or be recognised for prior driving experience, it does not normally allow you to earn a full No Claims Bonus in your own name.
How can I protect and maintain my No Claims Bonus (NCB)?
To get the most value from your No Claims Bonus, it’s important to manage your policy carefully and protect your claim-free history. The steps below will help you build, retain and make the most of your discount over time:
Keep the policy in your own name: Your No Claims Bonus is linked to the main policyholder, not to named drivers. Always ensure you are listed as the policyholder if you want to earn and keep your NCB.
Avoid small or unnecessary claims where possible: Even a minor claim can reduce your No Claims Bonus and increase your premium at renewal. Where appropriate, paying for minor repairs yourself may help protect your discount.
Maintain continuous insurance cover: Most insurers will only recognise an existing No Claims Bonus for a limited period after your last policy ends (typically up to two years). If the gap in cover is longer than this, your NCB may expire and no longer be accepted.
Be mindful of breaks from driving or car ownership: If you sell your car or take a break from insurance, some insurers may still recognise your NCB for up to two years. Always confirm how long your bonus will remain valid before cancelling a policy.
Declare overseas driving history if returning to Ireland: If you have been living abroad and are moving or returning to the Republic of Ireland, some insurers may accept proof of claim-free driving from overseas. Inform your insurer and provide documentation where required.
Keep records of your claim-free history: When switching insurers, you’ll usually need a No Claims Bonus (NCB) Certificate. Renewal notices are not generally accepted in Ireland, and cancellation letters are only accepted if they include the same details as an NCB certificate (such as your name, policy number and the number of claim-free years). Always request and keep your NCB certificate when ending a policy.
Protect your No Claims Bonus once it has value: If you’ve built up several years of NCB, adding No Claims Bonus Protection or Step-Back Protection can help safeguard your discount after a claim and prevent you from losing years of savings.
Provide proof promptly when changing insurers: Submitting your No Claims Bonus documentation quickly helps ensure your discount is applied to your new policy without delays.
Understand the limits of named driving: While being a named driver may help you access introductory discounts or be recognised for prior driving experience, it does not normally allow you to earn a full No Claims Bonus in your own name.
How can I protect and maintain my No Claims Bonus (NCB)?
To get the most value from your No Claims Bonus, it’s important to manage your policy carefully and protect your claim-free history. The steps below will help you build, retain and make the most of your discount over time:
Keep the policy in your own name: Your No Claims Bonus is linked to the main policyholder, not to named drivers. Always ensure you are listed as the policyholder if you want to earn and keep your NCB.
Avoid small or unnecessary claims where possible: Even a minor claim can reduce your No Claims Bonus and increase your premium at renewal. Where appropriate, paying for minor repairs yourself may help protect your discount.
Maintain continuous insurance cover: Most insurers will only recognise an existing No Claims Bonus for a limited period after your last policy ends (typically up to two years). If the gap in cover is longer than this, your NCB may expire and no longer be accepted.
Be mindful of breaks from driving or car ownership: If you sell your car or take a break from insurance, some insurers may still recognise your NCB for up to two years. Always confirm how long your bonus will remain valid before cancelling a policy.
Declare overseas driving history if returning to Ireland: If you have been living abroad and are moving or returning to the Republic of Ireland, some insurers may accept proof of claim-free driving from overseas. Inform your insurer and provide documentation where required.
Keep records of your claim-free history: When switching insurers, you’ll usually need a No Claims Bonus (NCB) Certificate. Renewal notices are not generally accepted in Ireland, and cancellation letters are only accepted if they include the same details as an NCB certificate (such as your name, policy number and the number of claim-free years). Always request and keep your NCB certificate when ending a policy.
Protect your No Claims Bonus once it has value: If you’ve built up several years of NCB, adding No Claims Bonus Protection or Step-Back Protection can help safeguard your discount after a claim and prevent you from losing years of savings.
Provide proof promptly when changing insurers: Submitting your No Claims Bonus documentation quickly helps ensure your discount is applied to your new policy without delays.
Understand the limits of named driving: While being a named driver may help you access introductory discounts or be recognised for prior driving experience, it does not normally allow you to earn a full No Claims Bonus in your own name.
How can I get the best car insurance rate using my No Claims Bonus (NCB)?
To get the best value from your No Claims Bonus, it’s important to shop around and compare insurers, as no two providers apply NCB in the same way. Always obtain multiple quotes and review how each insurer calculates discounts, premiums and policy benefits.
Make sure you can provide proof of your NCB (usually a No Claims Bonus Certificate), as this is required to transfer your discount. Check what each insurer counts as a claim, as some may exclude items such as windscreen damage, fire or theft while others may not.
If you want to protect your discount, compare the cost and coverage of NCB Protection or Step-Back Protection, as cheaper options may offer less protection. You should also look beyond your NCB and combine it with other available discounts, such as safe-driver rewards, vehicle security features or multi-policy savings.
By comparing quotes carefully and stacking your No Claims Bonus with other discounts, you can significantly reduce your overall premium and secure the best value car insurance deals available.
How can I get the best car insurance rate using my No Claims Bonus (NCB)?
To get the best value from your No Claims Bonus, it’s important to shop around and compare insurers, as no two providers apply NCB in the same way. Always obtain multiple quotes and review how each insurer calculates discounts, premiums and policy benefits.
Make sure you can provide proof of your NCB (usually a No Claims Bonus Certificate), as this is required to transfer your discount. Check what each insurer counts as a claim, as some may exclude items such as windscreen damage, fire or theft while others may not.
If you want to protect your discount, compare the cost and coverage of NCB Protection or Step-Back Protection, as cheaper options may offer less protection. You should also look beyond your NCB and combine it with other available discounts, such as safe-driver rewards, vehicle security features or multi-policy savings.
By comparing quotes carefully and stacking your No Claims Bonus with other discounts, you can significantly reduce your overall premium and secure the best value car insurance deals available.
How can I get the best car insurance rate using my No Claims Bonus (NCB)?
To get the best value from your No Claims Bonus, it’s important to shop around and compare insurers, as no two providers apply NCB in the same way. Always obtain multiple quotes and review how each insurer calculates discounts, premiums and policy benefits.
Make sure you can provide proof of your NCB (usually a No Claims Bonus Certificate), as this is required to transfer your discount. Check what each insurer counts as a claim, as some may exclude items such as windscreen damage, fire or theft while others may not.
If you want to protect your discount, compare the cost and coverage of NCB Protection or Step-Back Protection, as cheaper options may offer less protection. You should also look beyond your NCB and combine it with other available discounts, such as safe-driver rewards, vehicle security features or multi-policy savings.
By comparing quotes carefully and stacking your No Claims Bonus with other discounts, you can significantly reduce your overall premium and secure the best value car insurance deals available.
How many years of No Claims Bonus can I build?
There is no fixed national limit, but most insurers recognise between five and ten years of claim-free driving. Some may also record additional years thereafter, even if the discount itself is capped.
How many years of No Claims Bonus can I build?
There is no fixed national limit, but most insurers recognise between five and ten years of claim-free driving. Some may also record additional years thereafter, even if the discount itself is capped.
How many years of No Claims Bonus can I build?
There is no fixed national limit, but most insurers recognise between five and ten years of claim-free driving. Some may also record additional years thereafter, even if the discount itself is capped.
How long does a No Claims Bonus last? Can it expire?
Yes, a No Claims Bonus can expire if you are no longer insured in your own name. In most cases, insurers in Ireland will only recognise an existing NCB for a limited period after your last policy ends, typically up to two years.
If you take a break from driving or insurance for longer than this, your previous claim-free history may no longer be accepted, and you may have to start building your No Claims Bonus again. To avoid losing your No Claims Discount NCD, it’s important to maintain continuous cover in your own name or check with your insurer how long your bonus will remain valid if you plan to stop driving.
How long does a No Claims Bonus last? Can it expire?
Yes, a No Claims Bonus can expire if you are no longer insured in your own name. In most cases, insurers in Ireland will only recognise an existing NCB for a limited period after your last policy ends, typically up to two years.
If you take a break from driving or insurance for longer than this, your previous claim-free history may no longer be accepted, and you may have to start building your No Claims Bonus again. To avoid losing your No Claims Discount NCD, it’s important to maintain continuous cover in your own name or check with your insurer how long your bonus will remain valid if you plan to stop driving.
How long does a No Claims Bonus last? Can it expire?
Yes, a No Claims Bonus can expire if you are no longer insured in your own name. In most cases, insurers in Ireland will only recognise an existing NCB for a limited period after your last policy ends, typically up to two years.
If you take a break from driving or insurance for longer than this, your previous claim-free history may no longer be accepted, and you may have to start building your No Claims Bonus again. To avoid losing your No Claims Discount NCD, it’s important to maintain continuous cover in your own name or check with your insurer how long your bonus will remain valid if you plan to stop driving.
Can I use my No Claims Bonus on more than one policy or vehicle?
No. Your NCB can usually only be used on one policy or one vehicle at a time and must be in your own name.
Can I use my No Claims Bonus on more than one policy or vehicle?
No. Your NCB can usually only be used on one policy or one vehicle at a time and must be in your own name.
Can I use my No Claims Bonus on more than one policy or vehicle?
No. Your NCB can usually only be used on one policy or one vehicle at a time and must be in your own name.
Can I transfer my No Claims Bonus to another insurer?
In most cases, yes. Your No Claims Bonus belongs to you as the policyholder rather than to a specific insurer, and it can usually be transferred when you switch providers, as long as you can supply valid proof of your claim-free driving history.
However, if you change insurers before your current policy year has ended, you will normally not receive credit for that year, as a full year must be completed to earn the bonus.
Can I transfer my No Claims Bonus to another insurer?
In most cases, yes. Your No Claims Bonus belongs to you as the policyholder rather than to a specific insurer, and it can usually be transferred when you switch providers, as long as you can supply valid proof of your claim-free driving history.
However, if you change insurers before your current policy year has ended, you will normally not receive credit for that year, as a full year must be completed to earn the bonus.
Can I transfer my No Claims Bonus to another insurer?
In most cases, yes. Your No Claims Bonus belongs to you as the policyholder rather than to a specific insurer, and it can usually be transferred when you switch providers, as long as you can supply valid proof of your claim-free driving history.
However, if you change insurers before your current policy year has ended, you will normally not receive credit for that year, as a full year must be completed to earn the bonus.
Do named drivers earn a No Claims Bonus?
No. Named drivers do not usually build their own No Claims Bonus, as a NCB is normally only awarded to the main policyholder. However, some insurers may offer an introductory discount to named drivers when they take out their own policy, based on their previous claim-free driving experience. This introductory discount is not the same as an earned No Claims Bonus and does not carry the same long-term benefits.
Do named drivers earn a No Claims Bonus?
No. Named drivers do not usually build their own No Claims Bonus, as a NCB is normally only awarded to the main policyholder. However, some insurers may offer an introductory discount to named drivers when they take out their own policy, based on their previous claim-free driving experience. This introductory discount is not the same as an earned No Claims Bonus and does not carry the same long-term benefits.
Do named drivers earn a No Claims Bonus?
No. Named drivers do not usually build their own No Claims Bonus, as a NCB is normally only awarded to the main policyholder. However, some insurers may offer an introductory discount to named drivers when they take out their own policy, based on their previous claim-free driving experience. This introductory discount is not the same as an earned No Claims Bonus and does not carry the same long-term benefits.
What proof do I need to transfer my No Claims Bonus?
To transfer your No Claims Bonus, you will usually need official written proof from your previous insurer showing your name as the main policyholder and the number of claim-free years you have built up. This is normally provided in the form of a No Claims Bonus (NCB) Certificate.
Renewal notices are not generally accepted in Ireland, and a cancellation letter will only be accepted if it clearly contains the same information as an NCB certificate (including your policy details and years of claim-free driving). Without valid proof, most insurers will not be able to apply your No Claims Bonus to a new policy.
What proof do I need to transfer my No Claims Bonus?
To transfer your No Claims Bonus, you will usually need official written proof from your previous insurer showing your name as the main policyholder and the number of claim-free years you have built up. This is normally provided in the form of a No Claims Bonus (NCB) Certificate.
Renewal notices are not generally accepted in Ireland, and a cancellation letter will only be accepted if it clearly contains the same information as an NCB certificate (including your policy details and years of claim-free driving). Without valid proof, most insurers will not be able to apply your No Claims Bonus to a new policy.
What proof do I need to transfer my No Claims Bonus?
To transfer your No Claims Bonus, you will usually need official written proof from your previous insurer showing your name as the main policyholder and the number of claim-free years you have built up. This is normally provided in the form of a No Claims Bonus (NCB) Certificate.
Renewal notices are not generally accepted in Ireland, and a cancellation letter will only be accepted if it clearly contains the same information as an NCB certificate (including your policy details and years of claim-free driving). Without valid proof, most insurers will not be able to apply your No Claims Bonus to a new policy.
Can I use a No Claims Bonus earned abroad?
In some cases, yes. Certain insurers in Ireland may accept proof of claim-free driving from another country, provided it can be verified and meets their acceptance criteria. You will usually need official documentation from your overseas insurer showing the number of claim-free years and confirming that the policy was in your own name.
However, not all insurers may recognise overseas No Claims Bonuses, and the rules may vary depending on the country, the type of vehicle insured, and how long ago the policy ended. If you are returning to Ireland or moving from abroad, it’s important to check with your insurer in advance to confirm whether your foreign No Claims Bonus will be accepted and what proof is required.
Can I use a No Claims Bonus earned abroad?
In some cases, yes. Certain insurers in Ireland may accept proof of claim-free driving from another country, provided it can be verified and meets their acceptance criteria. You will usually need official documentation from your overseas insurer showing the number of claim-free years and confirming that the policy was in your own name.
However, not all insurers may recognise overseas No Claims Bonuses, and the rules may vary depending on the country, the type of vehicle insured, and how long ago the policy ended. If you are returning to Ireland or moving from abroad, it’s important to check with your insurer in advance to confirm whether your foreign No Claims Bonus will be accepted and what proof is required.
Can I use a No Claims Bonus earned abroad?
In some cases, yes. Certain insurers in Ireland may accept proof of claim-free driving from another country, provided it can be verified and meets their acceptance criteria. You will usually need official documentation from your overseas insurer showing the number of claim-free years and confirming that the policy was in your own name.
However, not all insurers may recognise overseas No Claims Bonuses, and the rules may vary depending on the country, the type of vehicle insured, and how long ago the policy ended. If you are returning to Ireland or moving from abroad, it’s important to check with your insurer in advance to confirm whether your foreign No Claims Bonus will be accepted and what proof is required.
How does my claims history affect my premium?
A clean, claim-free record generally indicates lower risk and may help you qualify for better pricing. Multiple or recent claims, particularly at-fault claims, may increase your premium and reduce eligibility for No Claims Bonus.
How does my claims history affect my premium?
A clean, claim-free record generally indicates lower risk and may help you qualify for better pricing. Multiple or recent claims, particularly at-fault claims, may increase your premium and reduce eligibility for No Claims Bonus.
How does my claims history affect my premium?
A clean, claim-free record generally indicates lower risk and may help you qualify for better pricing. Multiple or recent claims, particularly at-fault claims, may increase your premium and reduce eligibility for No Claims Bonus.
Why is a No Claims Bonus important?
A No Claims Bonus is one of the most powerful pricing factors in car insurance. Insurers view drivers with a long, claim-free history as lower risk, and that lower risk is reflected in more competitive car insurance premiums.
Although each insurer applies its own discount scale, the principle is consistent across the market: the more years you go without making a claim, the less you are likely to pay for your car insurance over time. Understanding how your NCB affects pricing helps you compare insurers properly, protect your discount, and avoid losing savings you’ve built up through careful driving.
Why is a No Claims Bonus important?
A No Claims Bonus is one of the most powerful pricing factors in car insurance. Insurers view drivers with a long, claim-free history as lower risk, and that lower risk is reflected in more competitive car insurance premiums.
Although each insurer applies its own discount scale, the principle is consistent across the market: the more years you go without making a claim, the less you are likely to pay for your car insurance over time. Understanding how your NCB affects pricing helps you compare insurers properly, protect your discount, and avoid losing savings you’ve built up through careful driving.
Why is a No Claims Bonus important?
A No Claims Bonus is one of the most powerful pricing factors in car insurance. Insurers view drivers with a long, claim-free history as lower risk, and that lower risk is reflected in more competitive car insurance premiums.
Although each insurer applies its own discount scale, the principle is consistent across the market: the more years you go without making a claim, the less you are likely to pay for your car insurance over time. Understanding how your NCB affects pricing helps you compare insurers properly, protect your discount, and avoid losing savings you’ve built up through careful driving.