The Ins & Out of Your No Claims Bonus

As drivers, we must protect our no claims bonus. We all know that. But what exactly is a no claims bonus and what steps should we take to protect it?

Innocent Driver has prepared this guide to help you!

No Claims Bonus – Explained.

A no claims bonus (sometimes called a “no claims discount”) can save you a significant amount on your insurance premium.

What Is Your Insurance Premium?

Your insurance premium is the amount you pay monthly or annually for your car insurance policy. It’s the price you pay to enter the contract. In the case of a Comprehensive policy, the contract guarantees payment in case of damage or loss to your vehicle. The premium you pay is considerably less than it would cost to replace your car should it be stolen, damaged or written off in an accident.

How Much Do You Pay?

The amount that you pay for your premium depends on many factors. It all depends on how likely you are to make a claim on your insurance based on data.

Some of the things that impact your premium include;

  • The Vehicle You Drive

The type of car you drive, how old it is, how safe it is, how much it is worth and the safety features can all play a part in determining the premium you pay.

  • How & Where You Drive

Where you live, how often you drive, how far you drive can all impact the premium you pay. Where you park your car also matters, some insurers reduce the premium if your car is usually kept in a garage overnight.

  • Personal Factors

Your age, how long you have been driving and your driving record can all play a part in the premium you pay and the risk that comes with insuring you. If you have been involved in a number of accidents or have points on your licence, your premium will be more expensive as you are considered to be more of a risk.

  • Finally, Your No Claims Bonus.

Your no claims bonus is a discount to your premium for not claiming on your car insurance. If you have not made a claim on your car insurance policy for a number of years, then your premium will be much lower. A no claims bonus of over five years can save you a lot of money.

Innocent Driver are experts at protecting your no claims bonus! Contact us today to find out more!

How Do I Build My No Claims Bonus?

Every year that you do not claim on your insurance is added to your discount. You can continue to build these up, however, most insurance cap your no claims bonus after five years. Some insurances offer a bonus after only 10 months of no claims.

What Happens To My No Claims Bonus If I Am Involved In An Accident?

If you are involved in an accident and make a claim on your insurance policy, then you may lose all or some of your no claims bonus. You can protect your no claims bonus when you first take out your policy (ask your insurer about this). Losing your no claims bonus means that your premium can increase, and you may have to pay lots more for your insurance when it’s time to renew your policy.

If you have been in an accident that wasn’t your fault, contact us immediately for assistance!

What If The Accident Wasn’t My Fault?

This is where it can get tricky. If you are involved in an accident that wasn’t your fault, then your insurer may be able to claim the money back from the other parties insurer. If they are able to do so then your no claims bonus won’t be affected.

The thing is, sometimes the other party does not take responsibility for actions or the parties do not agree. Unfortunately, it’s not always fair!

Thankful Innocent Drive is here to help.

How We Can Help?

At Innocent Driver®, once we accept your claim you won’t have to pay your excess, your repairs are guaranteed, you should keep your no claims bonus, and we can even give you a replacement vehicle similar to your own while yours is being repaired.

If you have been in an accident that wasn’t your fault, contact us immediately for assistance!

Getting In Touch

We offer a wide range of ways to get in touch with us. The quickest being to call us on our freephone number which is 0800 368 8928. Alternatively, you can fill out our contact form on our website, the direct link to this is or use the yellow ‘Make a Claim’ button. If you prefer to email us, you can do so by sending an email to This email address is being protected from spambots. You need JavaScript enabled to view it. and using the title ‘Make a Claim’. With the first option we will speak with you and take as much details as we can on the claim, to speed the claim we recommend having your vehicle details to hand, as well as the other involved party or parties, if possible, but don’t worry the important step is to initiate the claim with us.

Or Speak to an Adviser Now