Show More

Ask an Expert

What is the maximum no-claims bonus you can get?

If you haven’t claimed on your car insurance in a year, your insurer will reward you with a discount called a no-claims bonus. Make that two or more consecutive claims-free years and you’ll save even more. But what’s the maximum number of no-claims bonuses you can accrue?

Each insurer’s no-claims bonus scheme is structured differently, varying in the size of the discounts and the number of claims-free years it takes to earn them. But typically, you’ll earn a 30% discount after one year without a claim, around 40% for three years, and 60% for five. 

Maximum discounts range from 40% to 80%, and the number of years you’ll need to reach the top of the scale range from five to 15. But those are the extremes. More typical maximums are 60% and nine years.

Built up a hefty no claims bonus saving you hundreds of pounds annually? While you shouldn’t be excited to submit a needed insurance claim, it won’t set your no claims discount back to zero. Insurers will often simply move you down to a lower tier: from five years to three, say.

You also shouldn’t be afraid of moving to a new insurer or buying a new car if you have a valuable no-claims bonus accumulated. You can usually transfer no claims records between insurers, if you provide proof from your older insurer, and assign it to a new vehicle.

If you want to guard your no-claims bonus, you can take out a no-claims discount protection as an extra on your insurance policy. This cover allows you to make a maximum number of claims - usually two or three claims in three years - without losing your no-claims discount. The cost is usually around £60 annually but could be worth it if you’re saving hundreds of pounds annually with your discount.

*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Related guides

Car Insurance Renewal Advice

Switching car insurers can seem like a hassle. It’s not, but providers spin a yarn about the ease of renewing your policy with them instead of taking out a new one.Often, they stand to benefit financially from you renewing your policy. Don't let your insurance auto-renew without considering your options first though.

How to Check Your Car Insurance Claim History

Your current insurer should be able to provide you with all information related to your claim history, even if you’ve switched companies over the years. Simply get in touch with them and ask for a report.You can also contact CUE, the Claims and Underwriting Exchange. It’s a database which holds millions of records relating to insurance and reported incidents, dating back about six years. Whether you were at fault or not, any reported claim will be logged with CUE.Checking your no claims discount (NCD) status is slightly different, as all of your records will be stored by the Motor Insurers Bureau (MIB) and can be accessed by yourself and insurers at any time. Visit our guide for more details on how to best utilise your no claims discount.