No-claims bonus (NCB)

What is a no-claims bonus?

A no-claims bonus (NCB) is an insurance discount that drivers receive if they don’t make claims on their policy. For every year that a driver doesn’t make a claim, the insurer will give them one year's no-claims bonus (NCB), which should lower the cost of renewing the policy.

These discounts mount up every year, so the more years you drive without making a claim, the lower the cost of your car insurance (up to a maximum number of years, which usually ranges from six to nine years, depending on the insurance company).

Drivers can also pay an additional fee (usually around 10% of the premium) to protect their NCB, so if they need to make a claim, their NCB isn’t affected.

Need a hand?We're ready to help 8am-8pm, 7 days a week.

Cinch Cars Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include acting as a credit broker not a lender.

We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required.

We accept all major Visa, Mastercard and American Express debit or credit cards.