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Can You Have Two Sets of No Claim Bonus?

December 14, 2023

When it comes to the intricacies of car insurance policies, much of the lingo and jargon can often seem like it’s designed to confuse you, especially when it comes to understanding the No Claim Bonus (NCB).

While most insurance companies offer a No Claims Bonus to discourage small claims and encourage good behaviour on the road, one common question among policyholders is whether it's possible to have two sets of No Claim Bonuses. The answer? Technically no, but let’s take a closer look at this query in detail.

What Is a No Claim Bonus (NCB)?

A No Claim Bonus is a discount given by insurance companies to policyholders who have not made any claims during their policy term. Essentially, it's a reward for safe driving, where each claim-free year accumulates a discount on the renewal premium for the following year. It’s also designed (alongside excess fees) to discourage small or petty claims for minor repairs or mild damage.

The Standard NCB Policy

Typically, a No Claim Bonus is associated with one vehicle and its specific insurance policy: the discount increases with each consecutive year without a claim, up to a certain limit, and is often capped at 5 years.

The Possibility of Having Two NCBs

So, how can you have two No Claims Bonuses? Having two sets of No Claim Bonuses can be a bit complex, as in general, an NCB applies to a single car insurance policy and is specific to the policyholder. Therefore, if you own two vehicles, each will have its own NCB if they are insured under separate policies.

NCB Policies by Insurers

Insurance companies have different policies regarding their NCBs: for example, some may allow you to split or mirror your NCB across two vehicles. This can be beneficial if you are adding a second car and want to use your good driving record to lower premiums on both cars, however, this is not a standard practice and varies between insurers.

Limitations and Restrictions

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It’s also important to understand that while you may be able to mirror your NCB across two policies, it typically cannot be shared or duplicated. For example, if you make a claim when it’s not your fault, this can affect your NCB on both vehicles if they’re mirrored. Additionally, the age of the policy, type of vehicle, and your driving history can influence how insurers apply your NCB.

Transferring No Claim Bonuses

Transferring a No Claims Bonus from one vehicle to another is usually straightforward, especially when replacing a car - however, transferring or splitting an NCB between two active policies is more complex and is subject to the insurer's discretion. It's always recommended to discuss your specific circumstances with your insurance provider to understand your options.

The Bottom Line

Ultimately, while you might not be able to have two separate No Claim Bonuses for two vehicles simultaneously under standard policy terms, there are options like NCB mirroring, which can be explored with your insurer. It's also important to communicate clearly with your insurance provider about your needs, and make sure that you fully understand the terms and conditions of your policy. Remember, the No Claim Bonus is a valuable component of your car insurance, reflecting your safe driving record and contributing to reduced premiums, so taking the time to fully understand how it works - both on paper and in various scenarios - can help you make the best decisions about your insurance needs.


Does a No Claim Bonus expire if I don’t have a car for a period?

Yes, generally, a No Claim Bonus can expire if you're not insured for a certain period, typically around two years. It's important to check with your insurance provider for the specific duration after which your NCB would lapse.

Can I transfer my No Claim Bonus to another person?

No, a No Claim Bonus is not transferable between individuals as it is a reward for the policyholder's safe driving habits. However, you can transfer it from one vehicle to another if you change cars.

Will making a windscreen claim affect my No Claim Bonus?

Usually, a windscreen claim does not affect your No Claim Bonus. However, policies can vary between insurance providers, so it's advisable to confirm with your insurer.

How can I protect my No Claim Bonus?

Many insurers offer No Claim Bonus protection as an add-on feature. This allows you to maintain your NCB even after making a certain number of claims within a policy year.

Is the No Claim Bonus applicable to all types of vehicle insurance policies?

The No Claim Bonus is generally applicable to most private car insurance policies. For commercial vehicles or other types of insurance, the applicability and terms might differ. Always check with your insurer for specific details if you’re unsure, as policies vary from insurer to insurer.