Rules, transfer and when a small claim costs more than it saves.
How NCB grows
It rises in steps for each claim-free year up to 50%.
It belongs to you
It is linked to the owner and can usually be moved to a new vehicle.
Protect it
An NCB protection add-on lets you make a limited number of claims without losing the discount.
Think before small claims
The lost discount over later years can exceed a minor repair bill.
Key takeaway. Keep proof of NCB when you switch insurers or vehicles.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.