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One of the biggest advantages of NCB is its portability. The discount remains associated with the policyholder rather than the vehicle on which it was earned.

Updated : Aug 26, 2026

BT Explainer: NCB belongs to you, not your vehicle: How the no-claim bonus can lower your premium

A No Claim Bonus can reduce your motor insurance premium by up to 50% after five consecutive claim-free years. The benefit belongs to the policyholder, allowing it to be transferred when you buy a new vehicle or switch insurers.