A No Claim Bonus (NCB) is a discount off your comprehensive premium rewarded for your good claims history. On each renewal, your discount will increase providing you haven’t had any claims on your policy that affect your NCB when we calculate your renewal premium. If you are eligible, your NCB will keep increasing until you reach the maximum discount level. Your NCB is shown on your certificate of insurance.

The NCB is available for comprehensive boat, caravan and trailer, and motorcycle policies. Discount does not apply to optional ‘Contents’ and ‘Annexe’ covers. Taxes and charges are not discounted. For more information please refer to the Additional Information Guide (AIG) for Boat, Caravan and Trailer, or Motorcycle Insurance.

A No Claim Discount/Rating 1 for Life applies to some policies purchased before 3 September 2013. If it applies to any car covered by your policy, it will be shown on your certificate of insurance.