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...

Does having more than 9 years no claims bonus lower your insurance or is that the limit?

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...

How does my protected no claims work?

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...

Can I swap named drivers on my insurance to keep both our no claims bonus?

During our 25 years together my wife and I have always had our own cars. Last year that changed when we decided that one car would suffice and we sold her car. My name is on the insurance with her as the...

Will my no-claims bonus expire?

Can a no-claims bonus run out? I sold my car 18 months ago and I'm still waiting for its replacement to arrive. What will happen if I don't take out a new policy in the next 12 months?

When does a no claims bonus expire?

My wife came off Motability car use. The following year she was on my insurance as a named driver. Recently she applied for insurance and was told she has lost her no claims bonus of 45 years. Can this...

Should I pay to protect my no claims bonus?

I have a 16 year no claims bonus. Is it worth paying to protect this with my car insurance policy?

If I cancel my car insurance do I lose my no claims bonus?

We have two cars in the family, I am putting my one off the road on SORN and will cancel the insurance. I have 20+ years no claims at present, will I lose my no claims and have to start again when I put...

Do I have to pay my excess even if I have a protected No Claims Bonus?

I have protected No Claims Bonus, but I also have a Voluntary Excess of £250 on my car insurance. I have had a slight accident causing some scratches to the bodywork of my car. What is the position if...

If I cancel my insurance, do I lose my No Claims from the year?

We were due to buy a used car and sold our car in readiness to buy and, therefore, just transfer the insurance. However, we were unable to come to a deal so walked away. We've got 6 weeks left on the current...