A no-claims bonus (NCB), also called a no-claims discount, records claim-free insurance in your own name. It is not a transferable discount from a parent, partner or employer simply because you have driven their car. Named-driver experience may help with some insurers’ introductory offers, but it is not the same as holding a policy and earning an NCB yourself.
When changing insurer, ask the current provider for the NCB certificate and check that the years shown match your policy history. The CCPC says an NCB can generally be transferred between insurers and vehicles, but it applies to one vehicle at a time. If you own two cars, each normally needs its own insurance history. Insurers set their own acceptance rules, so confirm whether they need an original certificate, an electronic record or another proof.
Most insurers stop increasing the discount after around five or six claim-free years, although the actual percentage and ceiling differ. More years on the certificate do not automatically mean a larger discount with every company. Compare the final premium and policy conditions, not only the bonus label.
Two gaps deserve attention. A claim can reduce or remove a bonus even if the driver believes they were not at fault; if the insurer later recovers its costs, the bonus may be restored. Also, after two or more years without insurance in your own name, many insurers may no longer honour the old bonus. Ask before allowing a policy to lapse.
NCB protection can preserve the discount after a claim, but it does not guarantee that next year’s premium stays unchanged. The insurer may still consider the claim when pricing renewal. Check the protection limit and exclusions before paying extra. Keep the certificate with your renewal papers and compare it against the renewal notice checklist.
