NCB is a discount on the own-damage premium for each claim-free year: 20% after one year, then 25%, 35%, 45% and a maximum of 50% after five years. A claim resets it to zero at the next renewal. NCB belongs to you, not the car, so it can move to your next car, and it is lost if you renew more than 90 days after the policy expires.
See on-road prices, with registration, road tax and insurance included
Checked against this source on 18 Sep 2026. Every term