If you go a year without making a claim on your car insurance policy, you'll receive a no-claims discount, sometimes called an NCD or no-claims bonus (NCB). This could mean money off your premium when you next renew. Each year's worth of NCD gives you a discount on your car insurance premium.
How long can you keep no claims discount?
Can my no-claims bonus expire? Your no-claims bonus is only usually valid for two years after your policy comes to an end. So, if you don't drive for a few years, you will have to build up a new no claims bonus from scratch.
Do I lose all no claims bonus?
If you decide to claim for any damage, it will affect your no-claims bonus until your insurer can recover the costs from the other driver's insurer. But a no-claims bonus is only relevant at the annual renewal of the policy.
Can you protect one years no claims?
How long before you can protect your no claims bonus? Each insurer will have their own rules. It's common for many insurers to require five years claim-free driving before you can protect your bonus, but others may ask for just three. Check with your own insurance company.