You should certainly get 2 years NCB if you don't claim. The proof of NCB often comes within the wording of the renewal quotation so it is important to keep this particularly if you are renewing elsewhere. If the insurer believes that money is owed on the policy, they may not send you proof of NCB.

If you make a claim, your next premium will be higher. It's usually best not to make a claim if the incident is one that can be sorted out without involving insurance companies. The effect of a claim on NCB often depends on the policy, the claim and whether NCB is "protected". With some policies, you can claim for a windscreen repair without it effecting NCB. With other policies, the NCB is reduced by 2 years for each claim, with others, NCB is not reduced if it is clear that another driver was 100% at fault.

The rules are not set in stone but it is usually the case that, if you make a claim, you will end up worse off after 3 or 4 years than if you didn't make a claim irrespective of NCB rules or protection.

Hi helpers,

I had 1 NCB from my previous insurer which I used on the current insurance policy to get some money off. So, if I do not make a claim this year, I will have 2 NCB for the next year's policy. But however, if I make a claim on the current policy, will I have nil NCB or will I still have my previous 1 NCB?

I was just curious because my friend who had 1NCB made a claim on her policy this year, but she has received a renewal invitation stating she has 1 NCB. Did she only just lost 2nd year's NCB - and is able to use 1 NCB from previous year?

Thanks.