No Claim Bonus (NCB) Explained: Boost Savings, Keep Protection
Updated: December 18, 2025•6 min read•By MK INSURE Motor Desk
NCB Quick Rules
- ✓NCB applies only to own-damage premium, not third-party.
- ✓Lapse over 90 days after expiry loses NCB.
- ✓One protector claim allowed; more may reduce NCB.
Your No Claim Bonus can reduce premiums by up to 50%! Here's how to earn it, protect it, and use it when switching insurers. Let's maximize your savings!
NCB Ladder (Private Car)
| Claim-Free Years | NCB % |
|---|---|
| 1 year | 20% |
| 2 years | 25% |
| 3 years | 35% |
| 4 years | 45% |
| 5+ years | 50% (max) |
Protecting Your NCB
Add an NCB Protector add-on to retain NCB after one claim
Use zero-dep to reduce repair deductions and avoid partial NCB loss
Transfer NCB when switching insurers—keep your previous insurer's NCB certificate
Small claims can wipe NCB; pay minor repairs out-of-pocket if it saves more
Want to maximize NCB savings?
We'll structure your renewal with NCB protection, zero-dep, and the right IDV—without overpaying.