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What is the maximum no-claims bonus you can get?

If you haven’t claimed on your car insurance in a year, your insurer will reward you with a discount called a no-claims bonus. Make that two or more consecutive claims-free years and you’ll save even more. But what’s the maximum number of no-claims bonuses you can accrue?

Each insurer’s no-claims bonus scheme is structured differently, varying in the size of the discounts and the number of claims-free years it takes to earn them. But typically, you’ll earn a 30% discount after one year without a claim, around 40% for three years, and 60% for five. 

Maximum discounts range from 40% to 80%, and the number of years you’ll need to reach the top of the scale range from five to 15. But those are the extremes. More typical maximums are 60% and nine years.

Built up a hefty no claims bonus saving you hundreds of pounds annually? While you shouldn’t be excited to submit a needed insurance claim, it won’t set your no claims discount back to zero. Insurers will often simply move you down to a lower tier: from five years to three, say.

You also shouldn’t be afraid of moving to a new insurer or buying a new car if you have a valuable no-claims bonus accumulated. You can usually transfer no claims records between insurers, if you provide proof from your older insurer, and assign it to a new vehicle.

If you want to guard your no-claims bonus, you can take out a no-claims discount protection as an extra on your insurance policy. This cover allows you to make a maximum number of claims - usually two or three claims in three years - without losing your no-claims discount. The cost is usually around £60 annually but could be worth it if you’re saving hundreds of pounds annually with your discount.

*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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