As a novice driver with less than three years of driving experience, you start with SF class 0, as you pose a greater risk of causing an accident. No Claims Discount (NCD) is a system that rewards drivers who haven’t made an insurance claim. About NCD for Car Insurance. There is no no-claims bonus or discount for these classes. So, drive safely, build those claim-free years, and enjoy the savings. No-claims bonus (NCB), otherwise referred to as No Claims Discount, is a way you can cut the cost of car insurance. You may want to check with your previous or existing insurer on the NCD. A no-claims discount is a percentage off the full price of a car insurance policy. an amount by which someone's payment for insurance is reduced, especially for a motor vehicle…. Your no claim bonus may decrease when you make a claim where there is no third party to recover costs from. If you do not file a claim within the first year of your coverage, you will receive a 20% discount on your premium in the form of a no claim bonus in car insurance. A No Claims Discount, also known as a No Claims Bonus, is a reward given to policyholders who have not made a claim on their car insurance within a certain period. Use our Driver Safety Rating Calculator to see exactly how major offences affect your premium. For example, if you keep a claim-free record for five years, you can enjoy a cumulative five-year no claims discount on the. New Claims Report a new claim: 0333 043 2011 24 Hours a day, 7 days a week Make a windscreen claim: 0333 043 2012. At Budget Direct, the NCD is capped at 5 years. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims discount in the event of a single claim. (Ratings start at 6 and decrease for every consecutive year you don’t make a claim; the lower your rating, the bigger. Bear in mind that this totally depends on the insurer and can be much lower or much higher. If you have accumulated a 50% NCD (five years without a claim), some insurers may allow you to buy protection against the loss of the discount. Some insurance providers cap it at five years, others at nine. • Certain claims are excluded from influencing the NCB of an item. Let’s say you have been driving for five years without making any claims. 3: Click ‘Get My NCD Record’ OR if you have a company. 1. Without it, your NCD will be reduced by 30% when you make a claim under your policy. Find answers toward frequently asked questions about no-claim discounts for Comprehensive Car Insurance policies. It means you get to keep any NCD you've built up – even if you claim. Both NCD and NCB mean exactly the same thing: they are both a discount/bonus awarded to you by your insurer for not making a claim on your car or house insurance for a continuous 12-month period. no-claims bonus definition: 1. If you make a single claim or one arises against you during any period of insurance, we will reduce your No Claims Discount in the following intervals: - A 50% discount is reduced to 20%, - A 40% discount is reduced to 10%, - A 30% or less discount is reduced to 0%. We calculate your No Claim Bonus rating. Find responses to regularly asked questions about no-claim discounts for Comprehensive Car Insurance policies. The latter starts at 10% and gradually reaches a maximum of 30%. If you don’t make a car insurance claim. The average cost of Nationwide home insurance is $2,180 per year, according to a NerdWallet rate analysis. No claim discount – the system of discounts for no insurance claims; Rating system based on the past merits of drivers (policyholders). 55%. TrustedChoice. Show the vehicle details. We do not offer direct consumer advice or services but we want to help you find what you're looking for in our contact directory. pl/RcFqaB posted 2011-Mar-3, 7:20 pm AEST Have you been insured before? Get proof of your no-claims bonus when switching provider and get a discount on car insurance premiums. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance. Claims-free discount. USAA. Having an No Claim Discount is one of the best ways you are rewarded as a safe driver. Find the No Claims Bonus Proof Letter Sample you need. Yes, a no claims car insurance discount is the same as a no claims bonus. No Claims Discount Explained. 55% 45% 35% 25% 0% HOW DOES NO CLAIM BONUS WORK? No Claim Bonus is calculated on each policy, unless your claims history does not entitle you to a No Claim Bonus. This will increase for each year you have not placed in a claim until it reaches a maximum level. Of course, for some providers,. Experience Rating. Find answers to frequently inquired questions about no-claim discount for Comprehensive Car Insurance policies. It must be no more than 2 years old. 1 year of claims-free driving: 10% NCD. Your current No Claim Discount (NCD) or Rating Discount is? Rating 1,2,3,4,5 etc. Your age, sex and marital status. We calculate your NCD or Rating by looking at the number of years you have been driving and your claims and accident history. Typical discounts (or add-ons) for each grade might be as follows; Grade 5 = +25%. If you pay £500 per year for car insurance, for example, and your no claims bonus is 20%, this means your annual bill will reduce to £400. 79 with three years of no claims, and after five years it falls to £277. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. 2) the number of years you have held your driver's licence without making a claim. Some insurers offer protected discount policies which allow customers to make a. This is your insurer's way of recognising and rewarding you for having been a careful driver. What this means is that if you make a claim as a result of an accident where you were at fault, your no-claim bonus will basically renew itself so you. It is worth looking up how your no claims discount would be downgraded; the difference in price between 6 years and 4 years is very small, whereas the difference between 4 years and 2 years is much larger. Typically, you earn one year of no claim discount for each claim-free year of driving. 5 Things to Know About Sheilas’ Wheels. Find answers into frequently asked questions about no-claim discounts for. When you’re looking for a new car insurance policy, you can check how many years no claims bonus each insurer will take into account by using our free tool . This includes “reasonable costs” for towing your car to. Direct Line is promising to protect its customers' no-claims discount if their car is damaged by something that wasn't their fault such as a pothole - but don't assume you won't pay more in the long run. You’ll lose 2 years NCB for the first claim you make in any policy year. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. A no-claims bonus – also known as a no-claims discount – is a percentage discount that your insurer shaves off your insurance premium to reward you for not having made a car insurance claim in the previous year. You can build up a no claims bonus over the years and it will lower the cost of your car insurance. This means that even if we have been safe drivers who have not made any claims for 10 years or more, we still only enjoy a maximum NCD of 50%. As you increase your number of claim-free years, your discount also increases until it reaches the maximum discount, also known as a 'Rating 1'. Search answers up frequently asked questions about no-claim discounts for. We don't like: You have to go direct for a quote, and unlike many insurers you can lose your NCD for any claims involving stolen keys or misfuelling. Why does Suncorp no longer have a Rating/No Claim Discount structure for car insurance? We have decided to remove the previous rating (or no claim discount structure) and introduce Claims Free Driver Rewards. 1 out of 10. The way that the no claims discount protection works is that for each year you don't make a claim, your no claim discount will increase, with the maximum discount of rating 1 or 60 percent. 0. A no-claims bonus, or no-claims discount, increases for every year that you have car insurance but don’t make a claim. Your Work levy and Experience Rating. No Claim Bonus is calculated on each eligible vehicle insured under your motor vehicle policy unless your claims history does not entitle you to a No Claim Bonus. I was. A no-claims bonus (NCB), also known as a no-claims discount, is a discount on your car insurance premium based on your claims history. You have to pay for it, and the cost and number of times you can claim varies significantly across providers. The maximum NCB applicable on car insurance is up to 50%. Learn more. Thus, when. The No Claim Bonus will be applicable only after the first year of the policy. Registered in England and Wales (registration no. , policyholders) who have not made any claims in the past year are offered a discount or bonus on their renewal premiums by the insurance company. Admiral received a score of 68% – 11th of 17 companies we scored. Based on 8 Ratings. The ‘discount’ or ‘bonus’ is applied to your car or. If you need to show your good driving record for CTP. 6. Q: What is a no claims discount? A: It is a saving on the price you would pay for your insurance policy, based on your claims history. A no-claims bonus is a discount on your insurance premiums you’ll get as a reward for every year you’ve spent driving without making any claim against your insurance policy. But if you had to make a claim, your insurer might increase the premium to £1,800, meaning you would be paying £900. 2 Star. One year NCB can result in around a 7% discount growing to 40% when you reach 9 years. 2: Enter your vehicle plate number and NRIC. 4 Star. Which providers offer a no claims discount (NCD)? Pros and cons of a no claim discount (NCD) Is it worth paying to protect a no claim bonus? How to find out. The calculation method of the NCD is also slightly different for private cars, motorcycles, and commercial vehicles. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. EMR is also referred to as a Mod-Factor or Mod-Rating, so depending on who you are. • NCB is applicable per item and not per policy in general. But home insurance is a different matter. NCD is an abbreviation for ‘No Claims Discount ’ or NCB means ‘No Claims Bonus’. The lower. Important. Confirm the number of years the NCD was built up over. The Accident-Free Discount is different from a No Claim Car Insurance Bonus because it applies strictly to accidents and not claims. The calculation method of the NCD is also slightly different for private cars, motorcycles, and commercial vehicles. Your NCD is protected so your discount remains at 65%. The rating system typically ranges from one to six, with one being the highest discount rating you can reach. NCB is good news for drivers because it can save you money on car. Your no claim bonus is a discount applied to your comprehensive car or caravan/trailer premium as a reward for your safe driving. The rate for private cars and motorcycles is not the same as those who own private cars can enjoy the highest rate of NCD, which is capped at 55%. Then try adding in no claims protection to the quote and comparing this again. This means that the higher your class and your no-claims bonus are, the less you pay for your car insurance. 0%. NCD is earned once you’ve completed your first year of claim-free driving with one insurer as the policyholder. Free quotes. Bonus usually is a discount in the premium which is given on the renewal of the policy if no claim is made in the previous year. Car insurance no claims have some exemptions – for example, a. For example, after one year you may receive a 30%. If you have not made claims for one year, you can obtain a 20% NCB if. Be warned, if you have an accident and you're at fault, your no-claims discount could come to an end. 25%. It means that if you don't make any claims on your car insurance for the year, you get a 10% discount off the price of your car insurance premium year on year. Protected no claim discount is one of the optional extras you can add to your LV= car insurance policy or select when you get a car quote online. After the first year, this discount increases each year, usually by 5%, if you don’t make a claim. Theft (also covers damages from vandalism) Hire car cover. This is usually measured via ratings, with Rating 1 being the maximum possible discount available. AAA auto insurance quotes and rates. It reduces the premium you have to pay for the following year. NCD is a form of discount that insurers offer if you do not make any claims throughout the coverage period. Proof of no-claims can be found if your no-claims bonus is higher than the insurer’s maximum. 2 Cars can actually save you $1000's of dollars and you may not even realize it. A no claims bonus (also known as no claims discount) is a percentage discount on car insurance given to drivers who do not have any claims on their record. A no-claims bonus (also sometimes referred to as a no-claims discount) is an optional feature of most car insurance policies, whereby if you don't make any claims. The concept is simple: if you hold a car insurance policy and don’t make any claims during a specific period, you become eligible. Even if you have an accident that wasn't your fault – you're hit by an uninsured driver, or your. A certain amount is reduced as a discount by the insurance company during the time of renewal with no claim discount. com's Final Review. But if you had to make a claim, your insurer might increase the premium to £1,800, meaning you would. It can see you paying much less than you would otherwise. For example, if you keep a claim-free record for five years, you can enjoy a cumulative five-year no claims discount on the. There is no way for other people to build up a no claims history on someone else's policy — the no claims period relates to the policyholder alone. Gap insurance and new car replacement coverage are available. Get your NCD questions solved with Cheap Direct. When it comes to how much you can save, it depends on the type of policy you hold: Private car insurance: NCD will. Use a comparison site to check the difference in price for drivers with and without a no claims discount. This additional cover allows you to protect your NCD for up to two claims that were your fault in a three year period. 5,000. Hence the name – “No Claim” Discount. With AXA, you can accrue up to 20 years of no claims, which can save you a. 1) the number of years you have held car insurance in your name without making a claim, or. It’s pretty simple. With Age Co Car Insurance, provided by LV=, you can add protected no claim discount to your policy as an option extra as long as. No Claims Discount (sometimes called No Claims Bonus) is an incentive that rewards drivers who can prove they haven’t had a claim against their insurance policy in the past few years. A no claims bonus (NCB) is a discount on your insurance premium and is usually expressed as a percentage. Discount in. John Lewis Car Insurance is underwritten by Covea Insurance plc. Protecting your No Claims Discount doesn’t come for free, you’ll have to pay for the privilege. This bonus is reduced when you make a claim. 15,000, considering the 20% NCB bonus on the premium. No Claim Discount, commonly referred as NCD is a vital part of your car Insurance. A deductible is the amount of a claim that you must pay yourself. This MoneySuperMarket. Most firms offer a maximum NCD of 70%, although some offer 75% or 80%. Take your NCD questions solving by Budget Direct. 5. This should. A no-claims discount builds up over time - the longer you go without making a claim, the more your discount will be. The more consecutive years you’re insured and remain claim-free, the bigger your discount. It's also above the. NCD60 provide drivers who have held NCD50 for the. Get your NCD questions resolved with Budget Direct. The information below explains our No Claim Bonus discount. A no-claims bonus – also known as a no-claims discount – is a percentage discount that your insurer shaves off your insurance premium to reward you. Be in the main driver’s name. The rate for private cars and motorcycles is not the same as those who own private cars can enjoy the highest rate of NCD, which is capped at 55%. The more claim-free years you have, the higher the no-claims bonus on your premium will be. With each year of no claims bonus you earn, you gain an additional discount usually up to 9 years. 25%. Additionally, Auto-Owners offers. However, DirectAsia is now offering a NCD60 coverage – a first in Singapore. The discount increases each year if you don't claim, up to a maximum number of years. Car accident and collision damage. This builds up every year, and could end up giving you as much as 60% off your car insurance. It’s different for motorcyclists. Look for 'no claims bonus' discounts. A no claims bonus is the number of claim-free years that you have held an insurance policy in your own name, while a no claims discount is the reduction you. 4. The No Claim Bonus is a great way to progressively reduce your premium. Many insurance providers put a cap on no-claims discounts after around five years, but up until that point, you will save money for each year that you don’t claim on your car insurance policy. Find claims to frequently asked questions about no-claim retail for Comprehensive Car Insurance policies. Registered in England and Wales (registration no. Your renewal premium is £700 because even though your NCD is the same, the base premium has increased. The NCD discount rate varies from one insurer to another, but it increases year-on-year from 20% all the way up to a maximum of 60%. No Claims Bonus is awarded to drivers who complete a year or more without making any claims on their insurance policies. It’s also worth noting that although your No Claims Discount will be. No-claim bonus is a discount or benefit that insurers give policyholders on policy premiums at the time of policy renewal. Your NCB is shown on your certificate of insurance. A no-claim bonus, also known as a no-claim discount (NCD), is a significant feature of car insurance policies in Australia. How can I keep my Rating 1? Once you’ve not claimed for 5 years and achieved a Rating 1, you can then retain this discount by getting. expect. Car Insurance Premium, Excess and Discount Guide Created Date: 8/11/2022 11:58:20 AM. It had cost Rs. Availability. Do you have a maximum no claim discount? Each year you hold car insurance and don't make a claim, your no claims discount rating goes up, making your car insurance premiums cheaper. 25% Claim Free Privilege 1 is earned after you've. A No-Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. Your no claims bonus in practice. The discount increases each year if you don’t claim, up to a maximum number of. The No Claim Bonus comes with a comprehensive cover, which reduces the bike insurance premium by allowing the insured to apply these bonuses. So if your annual premium was £1,500 and you had a No Claims Bonus discount of 50%, you would be paying £750. With each year of no claims bonus you earn, you gain an additional discount usually up to 9 years. However, there is usually a limit on the number of. On the other hand, if you make a non-recoverable claim, you are likely to move back up the grades, where your discounts reduce. How does my no claims discount affect my insurance cost? Generally speaking, the more no-claims discount you have, the lower your insurance costs tend to be. A no-claims discount builds up over time - the longer you go without making a claim, the more your discount will be. Budget Insurance’s Mirrored No Claims Discount is different, offering customers the opportunity to be rewarded for safe driving. In fact, we don’t have a rating scheme, no claim discount or no claim bonus at all. This adjusts your Work levy based on historical claims and health and. This discount can be anywhere up to 60% in the first year. Private hire drivers will have NCD that. Years of NCB. To avoid this scenario, the rating system must be further refined. A no-claims discount is a percentage off the full price of a car insurance policy. Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. Your no claim bonus may decrease when you make a claim where there is no third party to recover costs from. For example, the table below shows the premium payable towards a Maruti Wagon R costing INR 3. Whereas for motorcycles and. In fact, many of Apia’s policyholders. A no-claims bonus, often shortened to NCB, and sometimes also (arguably more accurately) referred to as a no-claims discount, is perhaps one of the more self-explanatory bits of terminology surrounding car insurance – it needs less interpretation than third-party, GAP, or black-box insurance, for example – but it’s definitely worth. The amount this is worth varies depending on the insurer but it can easily save drivers several hundred dollars. A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don't claim in the latest policy year. In the first consecutive year of no claims, your NCB starts at 20% and eventually goes up to 50%. Malus is an increase in the premium if there is a claim in the previous. This means, no matter which car you have- as long as you have been renewing your car policies before its expiry date, you can continue to benefit from a NO Claim Bonus for your car insurance. You can accumulate up to 20 years of No Claims Discount (pro). The carrier has several decades worth of experience in the insurance industry, along with high ratings by AM Best and the BBB. It reduces the premium you have to pay for the following year. 25%. Description: The no-claim bonus is a reward to the vehicle owner for prudent use of the vehicle. The discount may be higher if your no claims discount was protected or if the incident had no impact on your no claims discount. Compare Auto-Owners 2023 homeowners insurance rates, coverage, discounts and customer experience with the company's competitors in this review. The NCB discount is offered on the premium amount during renewal. Some may even let you input 25 or more years when comparing the market. Existing Claims Discuss an ongoing claim: Webchat 0333 043 2022 claims@1stcentral. Receive thy NCD related solved include Budget Direct. You’ll need the name and date of birth of the named driver, as well as other details. If you make a single claim or one arises against you during any period of insurance, we will reduce your No Claims Discount in the following intervals: - A 50% discount is reduced to 20%, - A 40% discount is reduced to 10%, - A 30% or less discount is reduced to 0%. As a motorist, your no claims discount makes a massive difference to the cost of your insurance premium. See all no. Customers were also asked to rate their most recent claim. 5% of your policy premium. Not only is it illegal, it also means you're not earning your No Claims Discount, which can represent HUGE savings in the long run. So the more claim-free years you have, the lower your price will be. It must show the No Claims Discount in. We will reduce your no claims discount to 0% if you make a claim and the driver is convicted of dangerous driving or charged with drink-driving or a drug offence in connection with the same incident. AAA membership starts as low as $50 per year and increases depending on your location and selected services. After that, you'll likely need to start again. How a No Claims Bonus Works. Your No Claim Discount is calculated on the number of years you have been driving and whether you have previously made any claims. 8/5 ( 36 votes ) Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. 10 May 2018. This can only be added at the inception of a new policy or when you are renewing. If you don't have any collisions within your first year of driving, the next year, your insurer will offer you a renewal quote. NCD is a discount ranging from 25-55% on your premium payable that has to be earned by maintaining a claim-free record in the past 12 months. Check the Loyalty Discount page to learn more. ) and the "Bonus/Malus Systems" (continental Europe) refer to methods used to determine premium reductions or loadings on individual private passenger automobile policies based on the claims experience of the individual insured. 613259). My wife and I had been Allstate customer for more than 40 years. The No Claim Discount rate is fixed by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff that increases yearly up to 55% after five years as long as no claims are made. Average Rating. You can check your NCD rate online instantly for free. No Claim Discount (commonly abbreviated to NCD) is a type of motor insurance discount given to you: for not making any insurance claim (being a safe driver) in the past 12 months AND. A No Claim Discount Protector protects your NCD and allows you to make a claim under your policy without affecting your NCD. Creates an economic incentive for employers and workers to prevent accidents. Car insurance companies make money when you’re not filing claims, and want to reward you for that behavior. No junk mail. varies widely by state. Acceptable file formats include images. Our. For each year the policy-holder does not make a claim, they are. Authorised insurers can also access records of your no-claims bonus online, by using the Motor Insurance Bureau’s no-claims discount database. The no-claim bonus acts as recognition from insurance providers for being a low-risk driver. 1. A no claims discount (also known as a safe driver reward, no claim bonus rating scheme or no claim bonus rating level) is a reward offered by some insurance providers to safe drivers. Steve Phoenix, AZ. If you're a student, you might be in line for a discount. A No Claim Bonus 1 is a discount that can be earned on eligible Comprehensive policies in recognition of a claims-free record. By default, If you have been driving as a Named. 0%. No, NCD is not transferrable to another person except to your spouse, provided your spouse is taking a new car insurance policy with Income. Key in your vehicle plate number and NRIC. Answers to all the most frequently asked questions around car insurance. A no claims bonus, otherwise known as a no claims discount, is a discount program offered by some insurers who provide comprehensive car insurance to reward safe. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. The no claim bonus starts from 0% and reaches up to 50% for each claim-free year. You do not claim for: Your renewal discount is: 1 year: 10%: 2 year: 15%: 3 years or more: 20%: Below – Only for Motorcycle and Only at some insurers like Directasia. 30% and under. 3. Take advantage of discounts. Get your NCD questions solved with Budget Immediate. Updated: 08 Sep 2022 As a motorist, your no claims discount makes a massive difference to the cost of your insurance premium. A no-claims bonus is exactly what it sounds like: a discount you receive for not having filed a claim. You get an increase in your NCD for every year that you don. For every year that you don’t make a claim on your car insurance, your discount increases. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. Accident rates are often higher for drivers under age 25, especially single males. If your car insurance is up for renewal, take a look at your renewal letter as your discount should be outlined there. This discount can be anywhere up to 60% in the first year. No Claim Discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. 12,000, not Rs. No Claims Bonuses: Now you know! In summary, a No Claims Bonus is a reward feature that recognises safe driving – it gives you a discount on your insurance when you drive without making a claim. This is a way for insurance companies to encourage safe driving and reward responsible behavior on the road. Car insurance prices in most states reflect these differences. John Lewis Car Insurance is underwritten by Covea Insurance plc. No claims discount: A 20%. See our 2023 top picks. You can check your NCD rate online instantly for free. So if your annual premium is €700, once your no. Simply put, a No Claims Bonus or NCB is a reward for good driving. 1. Reviewed Oct. If it's less than $10,000 your business will be in our No Claims Discount programme. No-claims discount protection is a car insurance add-on which enables you to make a certain number of claims within a set period without affecting your discount. How many years is maximum no claims bonus? The maximum no-claims discount is usually capped at five years by. This could mean money off your premium when you next renew. Read more about NCD:A no claims bonus (NCB) is a great way to save money on your car insurance. $1,361. This discount is based on how many years you have held a car insurance policy without making a claim. 2 years of claims-free driving: 15% NCD. A no claims bonus, also known as a No Claim Discount (NCD), is a discount your insurer can apply to the price of your car insurance policy to recognise your claim-free driving history. To find your rating, check your current car insurance policy. As the name suggests, drivers who make no claims are eligible for a discount on their yearly. car insurance. We compare reviews from 30 motoring websites to bring you a definitive rating for every new car. Each year’s worth of NCD gives you a discount on your. 25%. Protected No Claims Discount. The "No-Claims Discount System" (in the UK, Australia*, etc. Each year the discount on your renewal premium increases, reaching a maximum discount after 14 years without a claim. Login. Change the blanks with unique fillable areas. This is usually achieved when you don’t make a claim for five years. You may still be entitled to a NCD even if you have made a claim, provided you are not liable for the accident. Find answers to frequently asks questions about no-claim discounts for Comprehensive Car Insurance policies. If you haven’t made a recent claim, you can get a no claims bonus, also known as a no claims discount (NCD), on your car. A no claims bonus is awarded each year you drive without making a claim. If you have not made any insurance claim in the past 1 year, your NCD will be increase by 10% on renewal , up to a maximum of 50% after five years. A no claims bonus is when your insurance provider offers you a bonus in the form of a reduction on your monthly/annual fee if you don’t make a car insurance claim over a certain period. 02/11/2023 8:20:24 PM. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. A no claim discount or a no claims bonus can go a long way in helping cut the cost of your insurance. You’ll earn Apia’s highest “Protected for Life” no-claim bonus* after just three consecutive years of claims-free driving. It is calculated according to how many years you’ve been driving without making an insurance claim. In the event of making a claim you’ll have the peace of mind that your no claims discount will not be affected. If you have 9 years of no-claims bonus, you can go to a new insurer with a higher no-claims bonus than they will accept.