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What is a no-claims bonus on car insurance?

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In short: A discount for each year you do not claim — often building to 60%–70% off after five or more claim-free years. Proof is required when switching insurers.

Content updated:

One at-fault claim typically steps you back two to three years on the discount scale.

Protected no-claims bonus costs extra but limits step-back after a claim.

See no-claims bonus explained guide.

Primary source: gov.uk/vehicle-insurance

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