Question 1

What happens to my NCB if I make a claim?

Accepted Answer

If you file a claim during the policy year, your NCB will typically reset to zero upon your next renewal, regardless of how many claim-free years you previously accumulated.

Question 2

Can I transfer my NCB to a new vehicle?

Accepted Answer

Yes, in most jurisdictions, your NCB is tied to you as the policyholder, not the specific vehicle. You can transfer it to a new car insurance policy when you sell your old vehicle.

Question 3

Is there a limit to how high the NCB can go?

Accepted Answer

Yes, most insurance providers cap the NCB at a maximum percentage, usually reaching between 50% and 70% after five to seven consecutive claim-free years.

No-Claims Bonus Calculator