A NCB recognises your good riding record. Your insurance certificate reflects this in the premium you’re charged. You’ll be on the maximum NCB after five years of not making a claim with another insurer or us. You will need to have been insured comprehensively for those five years and haven’t had an “at fault” claim.
If you have an accident, you’ll keep your NCB if:
- we agree the accident wasn’t your fault
- you prove that another person was completely responsible; and
- you tell us the person’s name, current address and the registration number of their vehicle.
We’ll reduce your NCB for all other claims you make, at the next renewal of your policy.
NCB Penalty
The amount we reduce your NCB to is listed below;
