No-Claims Bonus (No-Claims Discount)
A no-claims bonus is a discount on your car insurance that grows for each year you drive without making a claim.
What is No-Claims Bonus (No-Claims Discount)?
It can reduce premiums substantially after several claim-free years. An at-fault claim usually cuts the discount. Some insurers offer protection for the bonus at an extra cost. In Germany it is managed through the Schadenfreiheitsklasse; in France the system is called bonus-malus.
How it works
Insurers reward a claim-free record with a lower premium, using a scale of years or bonus classes.
Why it matters for your car
Protecting the bonus does not stop the base premium from rising after a claim. Ask for proof of your no-claims record when you change insurer.
Other terms
- Air Quality Sensor
- Atkinson Cycle
- Brake Caliper Slide Pins (Guide Pins)
- Car Leasing
- Charge Point Operator (CPO)
- Clear Coat Failure (Lacquer Peel)
- Cold-Weather Range Loss
- Crosswind Assist
- Diagnostic Trouble Code (DTC)
- Diesel Knock (Combustion Knock)
- Engine Hoist (Engine Crane)
- Exhaust Backpressure
- Gearbox Mount (Transmission Mount)
- Gearbox Warning Light
- Hydraulic Lifter (Hydraulic Tappet)
- Intake Manifold
- Manufacturer Oil Approval
- Power Tailgate (Electric Boot Lid)
- Skateboard Platform (EV Platform)
- Strut Brace (Strut Tower Bar)