20% discount on OD Premium: No claim made or pending during the preceding full year of insurance: 25% discount on OD Premium: No claim made or pending during the preceding 2 consecutive years of insurance: 35% discount on OD Premium: No claim made or pending during the preceding 3 consecutive years of insurance: 45%. com showed that drivers without protected no claims discount will. NCD eligibility requirements. You’ll start out on ‘Gold Status’ and if you drive safely for a year and make no claims, you’ll receive a ‘Safe Driver Rewards credit’. Admiral received a score of 68% – 11th of 17 companies we scored. NCD calculation method. If you need to show your good driving record for CTP. NCB is good news for drivers because it can save you money on car. Here's how Tesco Bank scored in our latest car insurance survey: 67% Policy Score on its standard policy - 10th out of the 34 providers we reviewed. Each year’s worth of NCD gives you a discount on your. Sometimes referred to as a No Claims Discount, this is a discount that is applied to the cost of your car insurance – a ‘reward for good driving’. You move up one discount level after each claim free period, until you reach our maximum 25% No Claim Bonus 1. Diminishing deductible. Having a No-Claim Bonus in your car insurance coverage can cut down a significant amount of policyholders monthly car premiums. Through the Experience Rating programme, you could get a discount of up to 50% off your Work levy, or have up to 100% added to your work levy. Understanding the Experience Rating programme. It will be based on the. Allstate offers a discount of up to 20% for new customers who have no recent claims and switch to Allstate. 1. This varies from insurer to insurer, so. annual damage threshold, given i years without claims have. Best ratings to. Each full year you don't make a claim, you'll earn an extra year's no-claims bonus, which can result in some serious discounts. Even if you have an accident that wasn't your fault – you're hit by an uninsured driver, or your car gets stolen – you could lose your NCB, and your premium could even go up at renewal. The No Claim Discount (NCD) or Rating is a reward system for good driving and claims history which applies to Comprehensive Cover only. In Australia, a no claim bonus works like this: Each year you hold car insurance and don't make a claim, your no claims discount rating goes up, making your car insurance premiums cheaper. If you can prove that you are entitled to a discount as there have been no claims against your previous insurance policy, you may get a reduction on the. NCD schemes—described variously by insurers as ‘no-claims bonus’, ‘no-claims discount’ and/or ‘ratings’ schemes—typically offer discounts to policyholders that increase for each consecutive claim-free insurance period up to a maximum discount off the premium, typically between 44% and 70%. Four years. Protected No Claims Discount. When you renew your insurance and you want to move to a new motor insurance provider, the NCD database enables the new insurer to verify your no claims discount directly from the database. Claims-free discount. 5: Generalized Linear Models for Insurance Rating, 2nd Edition; Trimming the Fat from glm() Models in R. 2. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. A good no-claims bonus is well worth having. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. No Claims Discount (sometimes called No Claims Bonus or NCD) rewards drivers who haven’t had a claim against their insurance policy for a certain period of time. The reward is a discount on the premium when you renew your insurance. When you drive without making a claim, you are proving to your. No claims discount protection typically means a policyholder can make a claim on their car insurance, if they need to, without losing their no claims discount altogether. You can save a lot on your. Here’s a basic explanation of how No Claim Bonus is calculated. Company. So, while this includes cases where you’ve accidentally dinged someone else’s car, it can also include things like theft, fire. A no claims discount, or no claim bonus, is a cost reduction applied to your car insurance premium when you haven’t made any claims. Note also that, this is for one policyholder who is bringing a lot of risks into the pool and might also be paying more premium. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance. The average cost of home insurance in the U. This bonus is typically applied as a discount on your car insurance premium, resulting in cost savings for policyholders. claim bonus now s tart at a 20% discount on premium for ow n dam age fo r no claims in the preceding year and increases to 25% for no claims in the preceding two years, 35%NCD 全名为 Non-Claim Discount ,顾名思义就是没有索赔得到的折扣。. Levels of NCD system of IRDA. In most developed countries, a car insurance system has a rating system that fines the policyholder responsible for one or more traffic accidents with an increase in the premium or a malus, and encourages. Access to the database can be at point of quote, point of sale or post sale, for the purposes of data enrichment or data validation. 15,000, considering the 20% NCB bonus on the premium. The amount that you can get with your no claim bonus will differ based on your history and driving experience. 5 stars out of 5 for overall performance. 3. Updated: 08 Sep 2022. We do not touch your your rating and you are getting the best discount right now as you can on your rating. No excess or reduced excess on windscreen damage. However, with 10 years’ NCD the cheapest premium is £216. Once you have a Rating 1 for life, we won’t reduce your no claim discount if you make an at fault claim. A discount of up to 17. Easy Pay Plan: Save 5% by setting up automatic payments. However, there are generally three ways to obtain proof of your no claims bonus and claim a discount on your car insurance: check your renewal letter, check. 15%. $500 : Optional additional basic excess chosen by you . A no-claims discount builds up over time - the longer you go without making a claim, the more your discount will be. If your second year goes without any claim, the discount will go up to 25%. 25%. 9 out of five, with over 11,800 reviews. A choice of market value or agreed value. or base premiums, percentages and points on the scale vary between insurers. Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Failure to report an incident leading to a claim on your policy within 24 hours of the incident or the next working day, may result in us reducing your NCD by an extra 10%. What is No Claims Discount? No Claims Discount (sometimes called No Claims Bonus or NCD) rewards drivers who haven’t had a claim against their insurance policy for a certain period of time. What is Rating 1? Rating 1 is the maximum discount you can achieve after 5 years of good driving. We calculate your NCD or Rating by looking at the number of years you have been driving and your claims and accident history. It offers a 3-year as opposed to 2-year new-for-new replacement. Make sure to submit your proof within the required timeframe. In fact, although discounts vary by provider, the Association of British Insurers (ABI) says that one claim-free year could net you up to 30% off, rising to 60% if you manage five years without making a claim. Allianz offers the following car insurance policies. Claims-free discount: If you’ve been claims-free on your home policy for at least five years, USAA extends a 10%. The NCB discount is offered on the premium amount during renewal. And with the countdown under way, there are two key points to understand. You can only use your no claims discount on one vehicle at any. That year, you file an at-fault claim. The London Ultra Low Emission Zone (ULEZ): what you. However, any claim or incident may affect the terms that apply to your policy at your next renewal (including your premium or excess). One year NCB can result in around a 7% discount growing to 40% when you reach 9 years. Two years. M. 4. How can I keep my Rating 1? Once you’ve not claimed for 5 years and achieved a Rating 1, you can then retain this discount by getting NCD Protection. Average Customer Rating: Get No Claim Bonus Online at. If you have been claims free for over a year, you can start saving now. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. The no-claims bonus is a reward for not making any claims. The more years you remain claim-free the bigger your discount will be. For example: Network Rail will typically possess a right to be paid liquidated damages in the event of late completion by the Contractor; and the Contractor will be. Alternatively, if you’ve decided to switch insurers, you may find your no claims discount is on your cancellation letter. 8-star rating but is 56 out of 59 in this same category. No-Claims Discount in year 2 renewal:30% NCD. No Claim Discount (commonly abbreviated to NCD) is a type of motor insurance discount given to you: for not making any insurance claim (being a safe driver) in the past 12 months AND. 1. Some insurers may offer you a discount of up to 30% after just one year. 20%. Your no-claims bonus builds up with each year you drive without claiming, thus, the longer you go claim-free, the bigger discount you’ll see on your insurance premiums. Call 01 7 617 688 to get a quote Or call your local branch. Make. Even if you have an at-fault accident and need to make a claim you can still retain a no-claim discount* if you already hold a protected no-claim bonus*. Speak with a real person. Higher stolen groceries cover, up to $400. 90 per claim, according to the Insurance Information Institute. The company is No. We paid over 99% of RACQ Comprehensive Car Insurance claims in 2022. 10-May-2023. Your no claims discount builds up with each claim-free year, so the longer you go claim-free the bigger your discount will be. Look out for an email or letter confirming that your new insurer has received the proof and will apply your no claims discount. 79 with three years of no claims, and after five years it falls to £277. So the more claim-free years you have, the lower your price will be. If you can prove that you are entitled to a discount as there have been no claims against your previous insurance policy, you may get a reduction on the cost of your premium. Whereas for motorcycles and. Save on car insurance premium: The benefit everyone loves! Discounts! A No Claim Bonus will save you at least 20% of your annual car insurance premium. A No Claim Discount is a benefit you earn when you complete a full year with your insurer and don’t make any fault claims. Multi-policy discount if you have three or more insurance policies, such as life or home and contents with RACQBudget Insurance offers Protected No Claims Discount to customers who have four years NCD or more. How many years is maximum no claims bonus? The maximum no-claims discount is usually capped at five years by. The NCB is usually 20% for the first year, 25% for the second year, and so on, up to a maximum of 50% for the sixth year. 5* Defaqto rating; Unrestricted consultant access; The standard hospital list is extensive, only excluding high-end hospitals; A fair approach to how claims affect no claims discounts. Therefore, suppose you got a 20% discount on the first no-claim year. fatberry. When you reach this ceiling, we apply the maximum no-claim discount (Rating 1). It’s possible that your no-claims discount will be listed on your renewal letter. A no claims bonus, otherwise known as a no claims discount, is a discount program offered by some insurers who provide comprehensive car insurance to reward safe drivers’ good behaviour behind the wheel, using the no claim bonus rating system. Nationwide offers competitive home insurance rates when compared to other top companies and made Forbes Advisor’s list of best home insurance. +. Avenue 3 Bangsar South No 8. New Car Insurance Discount for 2023. Get thine NCD questions solved with Budget Direct. Each year atA No Claim Discount reduces your Comprehensive Car Insurance premium, and is based on your driving experience and claims record. You can even transfer your no-claim bonus or driver rating from your current insurer to Budget Direct,. A No Claim Discount, sometimes referred to as the No Claim Bonus (NCB) in other countries, is a discount given by insurers when their policyholders do not make any claims. Once you've held Diamond for a year, you get the maximum 15% credit and 25% off AAMI Roadside Assist… and, even if you need to make a claim, your Diamond status won't change - known as Safe Driver Rewards Protection - but you won't get the. net. 5% and increase to a maximum of 15% after ten years of driving safely. According to the National Association of Insurance Commissioners (NAIC), in 2020 there were just 12 complaints filed on homeowners insurance policies, with a complaint index of 0. Viewing your car insurer’s latest renewal offer. Progressive car insurance costs $2,075 per year on average for full coverage insurance. A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don't claim in the latest policy year. If you have an unprotected NCD of 30% and below, then it will also result in losing your No Claim Discount should you make a fault claim. 0 in the Apple App Store backed by over 190,000 customer reviews and a 4. What is No Claims Discount? If you have 5 years or more NCD this will reduce to 3 years, then by a further 2 years for any future claims; If you have less than 5 years NCD this will reduce by 2 years for each claim; If you don’t protect your NCD and have to make a claim then you won’t earn any benefit for that year. Not at fault - Yes. A No Claims Discount, also known as a No Claims Bonus, is a reward given to policyholders who have not made a claim on their car insurance within a certain period. — including cars you no longer drive; Otherwise, you should. If there are still no claims on your policy, you keep getting a discount. Both terms refer to the same reward given to drivers who have not made any claims on their car insurance policy during a certain period. One year NCB can result in around a 7% discount growing to 40% when you reach 9 years. 41 of 2017, drivers with a no-claim record of one to three years are entitled to an assured reduction. e. USAA Insurance Reviews: J. This discount is transferable and can be. Discounts available: Under 25s can get 10% discount by completing AAMI Skilled. Benjamin Taylor | Edited by Hannah McEwen. This is popularly known as No Claim Discount (NCD). It can then be used to lower your premiums. But it only increases up to a maximum discount, usually 50-60%, and a number of years — usually 5-6 years. 4. 12,000, not Rs. Is it worth protecting no claims on home insurance? How much could I save? After the first year, a no claims discount could save you around 10-15% on your home insurance premium, then up to 40 or even 50% after five years. Confirm the number of years the NCD was built up over. The discount increases each year if you don't claim, up to a maximum number of years. If you have car insurance, you can be eligible for a no-claims discount for every year that you don’t make a claim on your policy. No claims discount: A 20%. This discount can be anywhere up to 60% in the first year. Cover information and limits in the table below verified as correct at 22 November 2023. Five-star reviews make up 63 per cent of the total, while 21 per cent are one-star reviews. Yes, a no claims car insurance discount is the same as a no claims bonus. In addition, all household members (i. So if your annual premium is €700, once your no. Companies typically offer several. It does this by giving you a discount for every year you drive without making a claim. You make an at fault claim that year. No Claim Bonus. A No Claims Bonus can only be used on one vehicle at a time. com Written by Brady Klopfer. The discount benefit allows you to purchase your existing medical insurance policy at a discounted premium amount. Bear in mind that this totally depends on the insurer and can be much lower or much higher. Our Queensland-based team are here. You move up one discount level after each claim free period until you reach our maximum 25% No Claim Bonus. Bear in mind that this totally depends on the insurer and can be much lower or much higher. We compare reviews from 30 motoring websites to bring you a definitive rating for every new car. This could mean money off your premium when you next renew. NCD, or no claim bonus as it’s commonly known, is a discount which a driver accrues for every calendar year they remain claim free, usually reaching a maximum level of. I guess you won't have to start from a 0-rating with. See how this compares with other car insurers here. for not having any insurance claim by third party made against your car insurance policy. e. It’s a way for insurers to acknowledge. Optional extras. The following year, your annual premium may rise to £1,100 owing to normal cost. So, if you have a lower chance of making a claim and the claim is likely of a lower cost, you will generally pay a lower premium. 54%: 7 Years. For example, if you stay claim-free for 3 years, you receive a 35% discount. com): 4 years of NCD 20 on Bike A no claims discount (also known as a safe driver reward, no claim bonus rating scheme or no claim bonus rating level) is a reward offered by some insurance providers to safe drivers. Sometimes referred to as a No Claims Discount, this is a discount that is applied to the cost of your car insurance – a ‘reward for good driving’. Phone only offer. American Family: Best home insurance for a high deductible discount. The longer you’ve been with. No Claim Bonus. You'll get a new vehicle if yours is written off in the first 2 years; some. In many cases, your insurance will go down by 5-20% in the first year of no claim, depending on your insurer. This additional cover allows you to protect your NCD for up to two claims that were your fault in a three year period. 29%; 4. For each year you drive without making a claim you receive a discount from the full-priced premium until it reaches a maximum discount (known as Rating 1). The no-claims bonus can be as high as 25% and it varies from one company to another. Your NCD will be reduced to 0% when 2 (or more) claims are received under your policy in a policy term. 5 Things to Know About Sheilas’ Wheels. They will provide a certificate of insurance to show. 33%. The report found that these schemes do not operate in the way consumers might reasonably expect. Similar to a no claims discount, this program rewards you for driving safely and not making any claims. In this area, Churchill received a score of 73%, meaning it was 7th of the 17 companies we scored. x i;i=0,…,k. But these figures can differ based on lots of things, including the specifics of. Fincrew provide the fastest way for Malaysian drivers to check their no. The No Claim Bonus is a discount that's applied to your premium to reward you for having a good claims history. A no-claims discount builds up over time - the longer you go without making a claim, the more your discount will be. Protecting your No Claims Discount doesn’t come for free, you’ll have to pay for the privilege. You can get this information from your insurance broker or insurer. See “Our discounts” section of page 6 of this guide for more detail. 51%: 6 Years. Nath 225 Table 1. You are ineligible for an NCB discount on the premium paid if you do not have a claim-free history when you acquire your first vehicle insurance policy. It’s basically a reward for you being a careful driver. The longer you drive without claiming, the. Usually, your no-claims bonus stays valid without a car for around 2 years. Discounts available: Under 25s can get 10% discount by completing AAMI Skilled Driver Course. If you don’t make a car insurance claim. The No Claim Discount rate is fixed by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff that increases yearly up to 55% after five years as long as no claims are made. Search responds to frequently asked questions about no-claim discounts required Comprehensive Cars Insurance policies. No claims discount (NCD) is one of the biggest rating factors when it comes to motor insurance and building it up can lead to large discounts from insurers. Benefits of NCB in Health Insurance. Shannons gives you multiple ways to save – from a multi-vehicle or policy discount to a protected no claim discount. Get award winning Car Insurance. *51% of consumers could save £151. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. No-claims bonus (NCB), otherwise referred to as No Claims Discount, is a way you can cut the cost of car insurance. Calling your car insurer and speaking to them directly. We may ask you for proof of your no claim discount (NCD) during your period of insurance. If you go claims-free over a six-month period, Safeco will send you a check covering 2. From what I have seen, insurers tend to offer one or the other. In accordance with the UAE Insurance Authority Board of Directors’ decision No. Average home insurance cost for dwelling. Of course, for some providers, your. The lower. Insurers could have a 95% no claim bonus if they wanted to. If you are lucky enough and have a good driving record, then some car insurance companies in UAE may provide you up to 50% no-claim discount, considering your age. Written by Brady Klopfer. This could be anywhere between 0% and 60%. NCD is a form of discount that insurers offer if you do not make any claims throughout the coverage period. The insurers offer NCB if they do not raise any insurance claims during a particular policy year or consecutive policy years. Find answers to frequently inquired questions about no-claim discount for Comprehensive Car Insurance policies. When you do not make any claim on your insurance policy, your NCD rate will increase, thereby lowering your car insurance premium. The premium we charge you will take into account any no claim bonus (NCB) you may be entitled to or your rating level. American Family: Best large insurer. Get a quote online today. 50% discount under No Claim Bonus, Fast claim settlement, Personal Accident Coverage. Excesses This is the amount shown on your Insurance Certificate that you may have to pay towards each claim. Research by Moneysupermarket. If you don’t make any claim for an entire, you’ll receive a 10%-15% discount amount. Typically the older the drivers, the lower your premium will be. After 5th years. But that’s not because we don’t believe in rewarding smart drivers. A no-claims bonus for car insurance is a reward for driving safely and not filing a claim for a certain amount of time – typically a year. To be valid, it must be dated within two years of starting your new car insurance policy. annual discount factor (i. On top of standard home. It can be achieved by sustaining a claim-free record. Reviewed by Carrie Adkins. A No Claims Discount (NCD, otherwise known as a No Claims Bonus) is a discount offered by some insurers to reward good driving behaviour. Number of Network Garages: 5000+ Buy Now . 40%. Similar to a no claims discount, this program rewards you for driving safely and not making any claims. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. You may still be entitled to a NCD even if you have made a claim, provided you are not liable for the accident. Table of Contents. We calculate your No Claim Bonus rating. Each year at renewal, yourCompare quotes with 50+ UK insurance providers. No claim bonus is a form of discount on car insurance which is offered to the customers who have not made any claims in the past year. With three consecutive years without a claim, the no claim bonus percentage will be 35%. NCD is earned once you’ve completed your first year of claim-free driving with one insurer as the policyholder. 10%. Recovery costs following theft – the transport costs agreed by us of returning your vehicle if recovered following a theft. 8/5 ( 36 votes ) Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. At Youi we use your actual incidents & claims record rather than the no claim bonus declaration. levies. As per the UAE Insurance Authority, an insured that has not made any claim for 1 to 3 years is allowed for a discount between 10% and 20 % while renewing their car insurance in Dubai. You can then earn an additional year’s NCD for every year that no claim is made against your insurance policy. Discount on renewal. You get an increase in your NCD for every year that you don. The discount increases each year if you don't claim, up to a maximum number of years. The schemes are a prominent feature of many comprehensive motor vehicle insurance policies, and are generally presented by insurers as a means of rewarding. Claims-free cash back. No Claims Bonus Protection does not stop your insurer from increasing the base premium, contrary to popular belief. If. You can save a lot on your. He has previously worked as a consultant in Bermuda and in London. Jalan Kerinchi 59200. Insurer of of Year. Don’t make any at fault claims for 12 months while you are a Rating 1 with 60% no claim discount. Here’s an example of how an increase in the yearly premium affects your protected no claims discount: Your insurance costs $1,000 the first year, but after a 60 percent protected no claims discount, it drops to $400. 2022 J. By paying a small amount of extra premium, you can make one claim during the year, and still have the discount fully protected. No claim Rating 3 Rating 2 N/A One at fault collision claim Rating 1 Rating 3 Rating 1. 47%: 5 Years. NerdWallet rating. 4. Hence the name – “No Claim” Discount. Forum Regular reference: whrl. We calculate Your No Claim Bonus rating based on: A no-claims bonus for car insurance is a reward for driving safely and not filing a claim for a certain amount of time – typically a year. , policyholders) who have not made any claims in the past year are offered a discount or bonus on their renewal premiums by the insurance company. USAA. You can still retain your 65%/Rating 1 NCB, have an at fault accident, still retain the discount and have your premium go up. Some insurers increase premiums for cars more. 30%. For those with a 40% NCD, their NCD will be reduced to 10%. Maximum no claim discount term: 10 years. Number of at fault claim free years Discount One 20%. Quick, easy and accurate. This will start at 2. A NCD offers you a reduction in the cost of your car insurance if you don’t make a claim on your policy. The maximum discount awarded for having full NCB (5 years+) could be up to a 75% discount. If you don't claim on your car insurance, your insurer will give you a no-claims bonus each. A no-claims discount is a perk that encourages safer driving. Fill out the blank areas; engaged parties names, places of residence and phone numbers etc. Save on car insurance premium: The benefit everyone loves! Discounts! A No Claim Bonus will save you at least 20% of your annual car insurance premium. You do not claim for: Your renewal discount is: 1 year: 10%: 2 year: 15%: 3 years or more: 20%: Below – Only for Motorcycle and Only at some insurers like Directasia. Typically, you earn one year. Bonus usually is a discount in the premium which is given on the renewal of the policy if no claim is made in the previous year. The Cost of Insurance The price we quote for insurance is at our sole and unrestricted discretion. A no claims discount is a reward for not making a claim on your motor insurance policy. 1 No claims bonus has become a central platform of the motor insurance market in the UK. Many insurance providers put a cap on no-claims discounts after around five years, but up until that point, you will save money for each year that you don’t claim on your car insurance policy. 613259). You get an increase in your NCD for every year that you don. The table above states the NCD rate in Malaysia, and the amount differs depending on the type of vehicle you’re using. Get Quotes. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. Up to £250. This discount can be anywhere up to 60% in the first year. This discount can be anywhere up to 60% in the first year. Safeco offers several auto insurance discounts:. This bonus is reduced when you make a claim. EPV of cash flows to the insurer, given i years without claims have been accumulated. 1) the number of years you have held car insurance in your name without making a claim, or. Your No Claim Bonus rating for a vehicle will increase after each claim free year you have. Rating 1 for life – rating 1 for life at no extra cost if you currently hold rating 1 (maximum no claim discount) and we agree to insure you. It can see you paying much less than you would otherwise. NCD schemes which are described by insurers as ‘no-claims bonus. Compare the best car insurance policies to see how Hastings Direct scores. This includes car type (and its safety rating), car age, car usage, garaging situation and your claims history (plus more). See all no. Typical discounts (or add-ons) for each grade might be as follows; Grade 5 = +25%. All insurance companies have their own no claims discount scale, but a typical example might be: 30% discount after 1 year's claim-free insurance. B i;i=0,…,k. The app has a 4. So after one year you might get. The Company will allow no claim discount of ; 1st Renewal Year – 10% 2nd Renewal Year – 15% 3rd Renewal Year Onwards – 20% on the renewal premium provided that: Sample 1. This discount can be anywhere up to 60% in the first year. With each year of no claims bonus you earn, you gain an additional discount usually up to 9 years. As each year passes without you placing a claim you will move up on the discount level until you. After you key in the details, you’ll be able to check the information below: i. A No Claim Bonus 1 is a discount that can be earned on eligible comprehensive policies in recognition of a claims-free record. Read our handy guide on all things NCB, covering commonly asked questions about the discount. The lower your rating, the bigger your discount.