Ask Honest John

Honest John Ask Honest John » Is no claims bonus linked to a car or the driver?
What do you think of Elon Musk? Have your say | No thanks

Is no claims bonus linked to a car or the driver?

I used to own two cars. On one, I never had any claims but I did on the other. I no longer have the car that had no claims made on its insurance. My car insurance is up for renewal and it shows the claims made. May I now legitimately use the No Claims Bonus I built up on the car I no longer have as both were under different policies?

Asked on 20 November 2024 by Sally Willcocks

Answered by Rhydian Jones
Your No Claims Bonus (NCBs) are linked to your individual car insurance policy, not the driver, so they won’t automatically transfer. But it might be worth contacting your insurer to ask if they’ll acknowledge the 12 years NCB from your old car. To better your chances of having these transferred, make sure you have proof of your NCB in case they ask for it.

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance
Similar questions
My son in law will be moving from Texas later this year. He has 10 NCB with his car insurance company. Will he be able to transfer his no claims bonus to his insurance company here?
I have 29 years no claims bonus gained through various insurers and supported by Proof of Bonus documentation. In my experience most insurers, or quotes via online comparison sites, state their maximum...
I recently was involved in an accident (at fault but no other parties involved). I've tried to understand how the NCD works but is confusing from the same insurer. So, my policy documents state: Protected...