NCD calculator
No claims bonus · no claims discount
What's your no claims bonus actually worth?
A no claims discount can be the biggest number on your quote. One claim can cut it for years. Put in your own figures to see the cost of a claim and whether protecting the discount pays.
Updated 6 October 2026 · Figures sourced and linkedYour premium already has the discount taken off. Enter it, your current discount, what your insurer says it would drop to after one claim, and the price of protection. We work back to the undiscounted price and show what you'd lose.
An unprotected claim could cost you up to£1,260About £420 more in the first year: your premium before discount is £1,400, and 30% off that is £980.
Protection costs less than one year's loss
Protection costs less than one year's loss
Uses your own figures and assumes the same underlying price each year and that the full loss applies for each year shown, so it's an upper estimate. Each insurer has its own discount scale and step-back rules: check yours. Protecting your discount doesn't stop your premium rising after a claim; it protects the percentage.
Before you claim
Small claim? Do the sum first
For a small repair, the extra you'd pay over the next few years can exceed the claim itself, especially after your excess. Use the calculator with the claim in mind, and remember most insurers still need you to report an accident even if you don't claim.
The average claim paid was £4,900 in Q2 2026 (ABI): for repairs of that size, claiming usually makes sense.
Questions
Straight answers
How does a no claims bonus work?
You earn a discount for each claim-free year (MoneyHelper). Each insurer sets its own scale and how far you step back after a claim, so ask yours for its table.
Does protecting my no claims bonus stop my premium going up?
No. Protection keeps the discount percentage, but the underlying price can still rise after a claim (MoneyHelper).
Is no claims bonus the same as no claims discount?
Yes: NCB and NCD are the same thing, a discount earned for claim-free years.
Can I use my no claims bonus on two cars?
Generally it applies to one policy at a time. Some insurers credit named-driver experience or offer multi-car discounts, so ask.
Sources
Where the numbers come from
We use primary sources only: the ABI, regulators and government. Figures were checked on 6 October 2026. Spot something out of date? The source link is the fastest way to check.
- MoneyHelper. Should I protect my no claims bonus?. 24 October 2024.
- Association of British Insurers. Record £3.2 billion paid out to support motor insurance customers in Q2 2026. 29 July 2026.
Keep going
Motor insurance UK →Cover levels, the legal minimum and how to compare quotes properly.Average car insurance cost →ABI premium data by quarter, and what your own quote means.Young & learner drivers →Black boxes, named drivers, fronting and learner rules.Car insurance groups →What groups 1 to 50 mean and who sets them.Temporary car insurance →Short-term cover vs adding a named driver.