Car insurance no claim bonus for named drivers

Also called a named driver no claims bonus, it's the discount you can get if you're insured as a named driver on someone else's policy and haven't claimed.

It’s a question that affects many drivers. Your premium can go up substantially if you’ve lost your No Claim Bonus, especially if you’re a young driver. This can seem especially unfair if the accident was due to factors such as weather – for example, if your car skidded on a wet road, even though you were driving within the speed limit.

Every year that follows where you don’t make any claims, your discount increases. So, 5 years without any claims might mean you get a 60% discount. To get a rough idea of how much a no-claims bonus would help lower your annual car insurance costs, here are the average car insurance costs as the bank of NCB grows each year.