A no-claims bonus for car insurance is a reward for driving safely and not filing a claim for a certain amount of time – typically a year. In insurance, a bonus–malus system ( BMS) is a system that adjusts the premium paid by a customer according to their individual claim history. The way that the no claims discount protection works is that for each year you don't make a claim, your no claim discount will increase, with the maximum discount of rating 1 or 60 percent. This discount can be anywhere up to 60% in the first year. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. If you make a single claim or one arises against you during any period of insurance, we will reduce your No Claims Discount in the following intervals: - A 50% discount is reduced to 20%, - A 40% discount is reduced to 10%, - A 30% or less discount is reduced to 0%. NCB is good news for drivers because it can save you money on car. Coverage is offered in 49 states, as well as in Canada and New Zealand. 57, according to Comparethemarket. Providers will usually give you between seven and 28 days from the start date of your new policy to prove your no-claims discount. The insurance company requires the no claims bonus to be no older than two years in order for it to be valid. Protected No Claims Discount. Many insurance providers put a cap on no-claims discounts after around five years, but up until that point, you will save money for each year that you don’t claim on your car insurance policy. Protects fairness in the system by charging premiums proportional to expected future costs. Essentially it's a discount for not making a claim. for not having any insurance claim by third party made against your car insurance policy. You can’t use the no claims discount more than once. Check the Loyalty Discount page to learn more. Unfortunately, there’s no easy answer here. It must be no more than 2 years old. Get thine NCD questions solved from Home Direct. No-claims discount averages around 29% if you stay with the same insurer but could be up to 74% if you shop around. Keep driving safely and continue to earn higher credit until you reach our highest status Diamond. A ‘No Claim Bonus’ 1 is a discount that can be earned on eligible comprehensive policies in recognition of a claims-free record. Average Rating. Get your NCD questions unsolved with Budget Direct. This builds up every year, and could end up giving you as much as 60% off your car insurance. 55%. Auto-Owners’ average premium for home insurance is $1,049 per year for $250,000 in dwelling coverage, which is $379 lower than the national average of $1,428. A no claims discount, or no claim bonus, is a cost reduction applied to your car insurance premium when you haven’t made any claims. Which providers offer a no claims discount (NCD)? Pros and cons of a no claim discount (NCD) Is it worth paying to protect a no claim bonus? How to find out. Open it using the online editor and start editing. It must show the No Claims Discount in. A No Claim Discount (NCD) is a discount on your car insurance premium if you haven't made any claims on your policy during the current period of insurance. As mentioned earlier, State Farm is No. 24, 2023. A no-claims bonus, or no-claims discount, increases for every year that you have car insurance but don’t make a claim. It is possible to protect your no-claims discount but it comes at an additional cost, typically between 5-10% of your car insurance policy premium. With each year of no claims bonus you earn, you gain an additional discount usually up to 9 years. We calculate Your No Claim Bonus rating based on: Updated: 08 Sep 2022. You can build up a no claims bonus over the years and it will lower the cost of your car insurance. This discount is not available in Oklahoma. Use a comparison site to check the difference in price for drivers with and without a no claims discount. Whereas for motorcycles and. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. Typically, the maximum NCD we can enjoy for our motor insurance is 50%. The more claim-free years you have, the better your discount will be. Building a no claims discount is one of the best ways to save on your car insurance, but you can also try these ten ways to cut your costs. For more information please see your Product Disclosure Statement (PDS) and our Premium, Excess and. expect. The Order requires that average no claims discount tables are updated on an annual basis from 1 February each year. This is a discount mechanism adopted by Singapore’s car insurance industry whereby if you are claim-free during your policy period, your N CD will increase. Description: The no-claim bonus is a reward to the vehicle owner for prudent use of the vehicle. No Claim Bonus is calculated on each eligible vehicle insured under your motor vehicle policy unless your claims history does not entitle you to a No Claim Bonus. Acceptable file formats include images. Sometimes referred to as a No Claims Discount, this is a discount that is applied to the cost of your car insurance – a ‘reward for good driving’. If you’ve been driving for five years and haven’t made a claim on your car insurance, you’ll earn five years no claims discount. Your age, sex and marital status. 5% of your policy premium. From what I have seen, insurers tend to offer one or the other. It is a reward to you for the cautious. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. Rating 1 is the maximum discount you can achieve after 5 years of good driving. A no-claims bonus is a yearly saving on your annual car insurance premium. A no claims bonus (also known as no claims discount) is a percentage discount on car insurance given to drivers who do not have any claims on their record. Malus is an increase in the premium if there is a claim in the previous. Based on our sample policy, which is for a townhome in Naperville, Illinois, that has. pl/RcFqaB posted 2011-Mar-3, 7:20 pm AEST Have you been insured before? Get proof of your no-claims bonus when switching provider and get a discount on car insurance premiums. Your no claim bonus is a discount applied to your comprehensive car or caravan/trailer premium as a reward for your safe driving. Rating one protection can be offered s soon as you have a rating 1. This is usually measured via ratings, with Rating 1 being the maximum possible discount available. I have held my fully driver's licence for 5 years and never made a claim. 2) the number of years you have held your driver's licence without making a claim. A No Claims Bonus - or No Claims Discount - is a reduction in your car insurance premium offered on the basis that you haven’t made a claim over the previous 12 months. There is no way for other people to build up a no claims history on someone else's policy — the no claims period relates to the policyholder alone. Some providers will require you to have a minimum number of years’ worth of NCD in order to purchase protection. You accrue your NCB each year you don. Car insurance companies make money when you’re not filing claims, and want to reward you for that behavior. com Your current No Claim Discount (NCD) or Rating Discount is? Rating 1,2,3,4,5 etc. Overall rating on TrustPilot was 4. Reviewed Oct. This adjusts your Work levy based on historical claims and health and. A higher NCB means a. A no-claim bonus is a discount on premiums that some insurers may offer drivers who haven’t made any recent car insurance claims. See all no. It is in your interest to pay for your own damage if you want to keep your No Claim. Get a home quote from £5/month Despite the differences, proving a no claims period on your home insurance is much the same as with your car insurance — you'll need a letter or document from. This discount can be as high as 50% and accumulates each year, making your policy much cheaper in the long run. Direct Line is promising to protect its customers' no-claims discount if their car is damaged by something that wasn't their fault such as a pothole - but don't assume you won't pay more in the long run. 0. NCD is a discount ranging from 25-55% on your premium payable that has to be earned by maintaining a claim-free record in the past 12 months. No Claims Discount (NCD) is a system that rewards drivers who haven’t made an insurance claim. List of 60% to 90% VA rating benefits. If you do not raise claims for five consecutive years, you gain a 50% discount on insurance premium. If you do not file a claim within the first year of your coverage, you will receive a 20% discount on your premium in the form of a no claim bonus in car insurance. One year NCB can result in around a 7% discount growing to 40% when you reach 9 years. Scenario 2: When a claim is. Although AAMI doesn’t offer a multi-policy and pension discounts, we do have a Safe Driver Rewards program, also known as a no claims bonus. 5. If you take out a second car policy, you’ll be able to earn another no claim discount. fatberry. It means that if you don't make any claims on your car insurance for the year, you get a 10% discount off the price of your car insurance premium year on year. For each year you drive without making a claim you receive a discount from the full-priced premium until it reaches a maximum discount (known as Rating 1). UK insurance companies call this system a No Claims Discount (NCD) or a No Claims Bonus (NCB). The No Claim Discount rate is fixed by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff that increases yearly up to 55% after five years as long as no claims are made. Step back No Claims Discount. Even if you have an accident that wasn't your fault – you're hit by an uninsured driver, or your. Comprehensive Car Insurance. Buildings insurance. A good no-claims bonus is well worth having. At Budget Direct, the NCD is capped at 5 years. So if, for example, you had a no-claims bonus of 30%, you'd pay £700 where you would otherwise have paid £1,000. Car insurance prices in most states reflect these differences. A no claims discount, or no claim bonus, is a cost reduction applied to your car insurance premium when you haven’t made any claims. Look out for an email or letter confirming that your new insurer has received the proof and will apply your no claims discount. The NCB is usually 20% for the first year, 25% for the second year, and so on, up to a maximum of 50% for the sixth year. an amount by which someone's payment for insurance is reduced, especially for a motor vehicle…. A no claim discount is a decrease in the expense of your car insurance offered by your insurance firm if you didn’t claim the term of the vehicle insurance policy. If the no claims bonus is over two years, unless referred to the insurance company, the no claims discount will need amended to 0 years for the cover to remain in place. A no claims bonus, otherwise known as a no claims discount, is a discount program offered by some insurers who provide comprehensive car insurance to reward safe drivers’ good behaviour behind the wheel, using the no claim bonus rating system. Yes - Up to 14 days, max $1,000 total. A No Claim Bonus 1 is a discount that can be earned on eligible comprehensive policies in recognition of a claims-free record. This drops to £310. Retrieve one Quote. If you’ve been driving for five years and haven’t made a claim on your car insurance, you’ll earn five years no claims discount. Get owner NCD questions solved for Budget Direct. Budget Insurance’s Mirrored No Claims Discount is different, offering customers the opportunity to be rewarded for safe driving. When you do file a claim, they lose money because they’re likely to have to send a payment your way to cover the damage for your car. Your age, sex and marital status. Benefits of NCB in Health Insurance. I was. Calling your car insurer and speaking to. Your insurance costs £1,000 in the first year but is reduced to £400 after applying a 60% protected no claims discount. You don’t have to pay a deductible for claims against another driver’s insurance. It had cost Rs. If you make a single claim or one arises against you during any period of insurance, we will reduce your No Claims Discount in the following intervals: - A 50% discount is reduced to 20%, - A 40% discount is reduced to 10%, - A 30% or less discount is reduced to 0%. No Claim Bonus is calculated on each eligible vehicle insured under your motor vehicle policy unless your claims history does not entitle you to a No Claim Bonus. So if your annual premium was £1,500 and you had a No Claims Bonus discount of 50%, you would be paying £750. Nikolaos Kefallinos discusses the development of national no-claims discount schemes, and their contribution to public road safety. Simply put, a No Claims Bonus or NCB is a reward for good driving. Get your NCD questions solved with Economical Direct. Description: The no-claim bonus is a reward to the vehicle owner for prudent use of the vehicle. Watch on. For each accident-free year, your insurance company rewards you with a no-claims bonus. Instead, the insurance company increases the premium by a percentage based on the class. The discount may be higher if your no claims discount was protected or if the incident had no impact on your no claims discount. Don’t make any at fault claims for 12 months while you are a Rating 1 with 60% no claim discount. 2: Enter your vehicle plate number and NRIC. A No Claims Bonus can only be used on one vehicle at a time. Failure to report an incident leading to a claim on your policy within 24 hours of the incident or the next working day, may result in us reducing your NCD by an extra 10%. You have to pay for it, and the cost and number of times you can claim varies significantly across providers. Your Work levy and Experience Rating. For new customers NCB is based on years of driving experience. In most developed countries, a car insurance system has a rating system that fines the policyholder responsible for one or more traffic accidents with an increase in the premium or a malus, and encourages. • NCB is applicable per item and not per policy in general. For example, after three years of driving without making a claim, you’ll be. The no-claim bonus acts as recognition from insurance providers for being a low-risk driver. The no-claim bonus is a form of discount offered to the customers for not making a claim in the previous policy period. Find the No Claims Bonus Proof Letter Sample you need. A No Claim Bonus (NCB) is a discount off your comprehensive premium. 55% to 30%, 50% to 30%, 40% to 20% or; 30% to 10%; Aviva policies. Generally, ratings start at 6 and reduce by one for each year you don't claim. A no claims bonus, otherwise known as a no claims discount, is a discount program offered by some insurers who provide comprehensive car insurance to reward safe. There is an immediate benefit in terms of discount in the rate charged. If your business has paid at least three Work levy invoices, we may add you to the Experience Rating programme. Luckily, NCDs work on a ‘step back’ system for private vehicles. My wife and I had been Allstate customer for more than 40 years. No. It is calculated according to how many years you’ve been driving without making an insurance claim. Find the best auto insurance companies with our expert evaluation of rates, coverage features, complaints, collision claims grades, and website usability. The average cost of Nationwide home insurance is $2,180 per year, according to a NerdWallet rate analysis. It is one of the many optional add on’s we provide for your car or van policy. A No Claim Discount Protector protects your NCD and allows you to make a claim under your policy without affecting your NCD. 613259). No Claim Discount Protector (“NCDP”) With our optional NCDP add-on, your first claim during the policy year will not reduce your NCD subject that your NCD is 50% at the time a claim is made. The terms for no-claims bonus vary from one insurance provider to the next so it’s important to shop around and read the small print to know exactly what’s included in your policy. If you go a year without making a claim on your car insurance policy, you’ll receive a no-claims discount, sometimes called an NCD or no-claims bonus (NCB). Higher cancellation fees (con) Calls to customer service, claims, renewals, etc. 4 Star. The amount of money varies for each insurer, but the more consecutive years you go without making a claim, the less of a risk you are to the. It can see you paying much less than you would otherwise. Each year at renewal, yourA no claims bonus is a discount that you can receive on your motor insurance dependent on the number of years of driving you have built up without claiming your policy. Legal liability for damage or loss to a third party. Get your NCD questions solved with Cheap Direct. No-claims bonuses are available in other countries, including the United Kingdom and India, but they are not common in the U. Experience Rating. No Claim Bonus or no claim certificate is a benefit provided by the car insurance company for not making any insurance claim in the previous insurance policy tenure. 6. The maximum discount awarded for having full NCB (5 years+) could be up to a 75% discount. American Family: Best large insurer. com's Final Review. Your NCD is protected so your discount remains at 65%. No Claims Discount Explained. However, in that time, I've never actually held insurance under my name (always under my parents). After 5th years. However, any claim or incident may affect the terms that apply to your policy at your next renewal (including your premium or excess). The final amount of the discount varies from insurance company to insurance company. Grade 4 = 0%. 16 $1,361. If you have accumulated a 50% NCD (five years without a claim), some insurers may allow you to buy protection against the loss of the discount. A No Claim Discount/Rating 1 for Life applies to some policies. The amount this is worth varies depending on the insurer but it can easily save drivers several hundred dollars. are chargeable 0345 numbers, costing up to 12p per minute (con) Sheilas’ Wheels is part of esure, one of the top 10 biggest UK car insurance companies. That's more expensive than the national average of $1,820 per year. 5 Things to Know About Sheilas’ Wheels. Usually, your no-claims bonus stays valid without a car for around 2 years. You can then earn an additional year’s NCD for every year that no claim is made against your insurance policy. No Claims Discount (sometimes called No Claims Bonus) is an incentive that rewards drivers who can prove they haven’t had a claim against their insurance policy in the past few years. Does Bingle use the Rating system? Support. While the amount your no claims bonus is worth will vary across different insurers, a no-claims history of five years or more will likely net you a significant discount. As the table below shows, a 40% discount on a £500 premium will see you paying more than a 30% discount on a £400 premium. 5,00,000. Canstar & Money Magazine's . 1 in our Cheapest Homeowners Insurance Companies of 2023 rating. For more details see here. Our full-featured cover and reliable service rewards you for your careful driving with a No Claims Discount of up to 75%. Instead of no-claims bonuses, American car insurance companies offer good. If. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance. Read our handy guide on all things NCB,. No Claims Bonuses: Now you know! In summary, a No Claims Bonus is a reward feature that recognises safe driving – it gives you a discount on your insurance when you drive without making a claim. The Accident-Free Discount is different from a No Claim Car Insurance Bonus because it applies strictly to accidents and not claims. NCD60 provide drivers who have held NCD50 for the. Your no claim bonus may decrease when you make a claim where there is no third party to recover costs from. What does it mean if my no claims is protected? No claims discount protection typically means a policyholder can make a claim on their car insurance, if they need to, without losing their no claims discount altogether. This additional cover allows you to protect your NCD for up to two claims that were your fault in a three year period. Visit MyCarInfo. Important. At renewal, your base premium increases to £2,000 because your risk profile has increased since having a car accident. You move up one discount level after each claim free period until you reach our maximum 65% No Claim Bonus. No claims discounts vary from insurer to insurer, but they can be as much as 30% for one claim-free year and 60% for five claim-free years. but how do you know if you have a rating discount? User #16579 13175 posts dreamstation Whirlpool Forums Addict reference: whrl. The rating system typically ranges from one to six, with one being the highest discount rating you can reach. Step back No Claims Discount. Years of NCB. No claims discount protection typically means a policyholder can make a claim on their car insurance, if they need to, without losing their no claims discount altogether. Claim-free discount. The Cost of Insurance The price we quote for insurance is at our sole and unrestricted discretion. No Claims Bonus is awarded to drivers who complete a year or more without making any claims on their insurance policies. When you drive without making a claim, you are proving to your insurance. A no claims bonus example: If you have gained 2 years no. A No Claim Discount, sometimes referred to as the No Claim Bonus (NCB) in other countries, is a discount given by insurers when their policyholders do not make any claims. Along with your age, driving history and vehicle model, the no-claims bonus is one of the main factors determining your premiums’ price. Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. 1. After that, you'll likely need to start again. Every year you earn a No Claims Bonus you will receive a discount off your annual insurance premium. A No-Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. For each year that passes without a claim, this discount increases. The No Claim Discount rate is fixed by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff that increases yearly up to 55% after five years as long as no claims are made. Quick, easy and accurate. Accident rates are often higher for drivers under age 25, especially single males. If you are eligible, your NCB will keep increasing until you reach the maximum discount level. No-claims protection is an optional add-on to insurance premiums offered by some providers. Typically, you earn one year. Include the day/time and place your e-signature. No-claims bonus (NCB), otherwise referred to as No Claims Discount, is a way you can cut the cost of car insurance. It generally starts at 10% to 15% for a one year no-claims bonus and increases incrementally with each additional claim-free year to a whopping 40%. 0. As no claim was raised during the policy period, the insurance company offered him a discount of 10%. For each year the policy-holder does not make a claim, they are. Get award winning Car Insurance. Not only will you have to pay potentially hundreds of dollars more on your premium when you renew your policy, you will also have to. The No Claim Discount (NCD) or Rating is a reward system for good driving and claims history which applies to Comprehensive Cover only. Protecting your No Claims Discount doesn’t come for free, you’ll have to pay for the privilege. Proof of no-claims can be found if your no-claims bonus is higher than the insurer’s maximum. Show the vehicle details. On a premium of £250 this would probably increase your premium by upwards of £70. As the name suggests, drivers who make no claims are eligible for a discount on their yearly. But that’s not because we don’t believe in rewarding smart drivers. A No Claims Bonus (NCB) - often referred to as a No Claims Discount - is a discount which can be applied to the cost of your car insurance. The NCB will be 45% and 50% if the claim is not filed for four and five years, respectively. No Claim Bonus (or NCB) is a deduction that's applied to your car insurance premium as a reward for your driving experience and claims history. The actual amount of discount varies by insurer though. In fact, we don’t have a rating scheme, no claim discount or no claim bonus at all. failing to report an accident. Having an No Claim Discount is one of the best ways you are rewarded as a safe driver. Every insurance company has a different. If you have 9 years of no-claims bonus, you can go to a new insurer with a higher no-claims bonus than they will accept. • No Claim Discount (NCD), • discounts we offer, and • excesses that apply to your policy. The maximum NCB we offer is 60%*and you'll be eligible for this when you have been driving for four or more years. What is no claims bonus 60%? A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. Registered in England and Wales (registration no. It’s a system that rewards drivers based on the number of years they’ve been driving without making a claim. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. When it comes to how much you can save, it depends on the type of policy you hold: Private car insurance: NCD will. Some may even let you input 25 or more years when comparing the market. You can check your NCD rate online instantly for free. They will provide a certificate of insurance to show. The average cost of home insurance in the U. We award American Income Life Insurance Company a final rating of 2. no-claims bonus definition: 1. If you make two or more claims in the previous insurance year, we will reduce your no claims discount to 0% . Discover replies to frequently asked questions about no-claim discounts for. EMR is also referred to as a Mod-Factor or Mod-Rating, so depending on who you are. Most car insurers provide discounts to student drivers who maintain good grades. No Claim Discount (commonly abbreviated to NCD) is a type of motor insurance discount given to you: for not making any insurance claim (being a safe driver) in the past 12 months AND. Your no claims bonus in practice. A NCD offers you a reduction in the cost of your car insurance if you don’t make a claim on your policy. All up, the maximum discount for a good no-claim record could be 65%, or possibly even more. Claim-free years are the years you have gone without claiming on your previous car insurance. Login. Getting a No Claim Bonus. From the cancellation letter you receive when you switch to a new provider. The more years you’ve driven in a row without making a claim, the bigger your discount. A discount scale is. No, NCD is not transferrable to another person except to your spouse, provided your spouse is taking a new car insurance policy with Income. No claim discount – the system of discounts for no insurance claims; Rating system based on the past merits of drivers (policyholders). No Claims Discounts are an insurers way of rewarding you for being a careful driver. choosing between a. Claim-free discount: Remaining claim-free for three or more years can make you eligible for a discount with Farmers. If you do make a claim, your discount will normally be less at the next renewal if your insurance company cannot get their money. Firstly, it helps you save on your premium as insurers offer a discount for every year you don't make a claim. Find answers to frequently asks questions about no-claim discounts for Comprehensive Car Insurance policies. A no-claims bonus – also known as a no-claims discount – is a percentage discount that your insurer shaves off your insurance premium to reward you for not having made a car insurance claim in the previous year. A No Claim Discount (NCD) is a discount on your car insurance premium if you haven't made any claims on your policy during the current period of insurance. New Claims Report a new claim: 0333 043 2011 24 Hours a day, 7 days a week Make a windscreen claim: 0333 043 2012. Simply, you will pay Rs. It reduces the premium you have to pay for the following year. 2 Star. On each renewal, your discount will increase providing you haven’t made any claims that affect your NCB. Find answers to frequently questions questions about no-claim discounts for Includes Car Insurance politischen. Theft (also covers damages from vandalism) Hire car cover. Not only is it illegal, it also means you're not earning your No Claims Discount, which can represent HUGE savings in the long run. This discount can be anywhere up to 60% in the first year. It’s basically a reward from your insurer to you for good driving. Depending on your claims and insurance history, you could get a No Claim Bonus of between 0% and 20% 1. As a reward for not claiming on your insurance for five years, your insurer will apply a discount of 60% to your premium. 25%. Referring to your insurance certificate; many specify your no claims discount rating. Accident rates are often higher for drivers under age 25, especially single males. Simply, it is a discount on your car insurance premium. A no-claims discount is a percentage off the full price of a car insurance policy. Search responds to frequently asked questions about no-claim discounts required Comprehensive Cars Insurance policies. Canstar & Dough Magazine's . Mon - Fri: 9am to 6pm Bank holidays: 10am to 4pm. If you pay £500 per year for car insurance, for example, and your no claims bonus is 20%, this means your annual bill will reduce to £400. Both of my cars have been comprehensively insured with Australia Post for five years or so. No claims discount Annual home insurance cost* Discount compared to 0 years NCD; 0. A no-claims discount builds up over time - the longer you go without making a claim, the more your discount will be. If you are eligible for a No Claim Bonus this will also be applied to your policy 1. 5-star Defaqto rating on RAC Car Insurance Plus; Voted Car Insurance Provider of the Year 2022 by Moneyfacts. 1️⃣ Sum insured will reduce at the same rate, when you make a claim in a given year. Take your NCD questions solving by Budget Direct. In order to benefit from any potential NCD, you need to. I had done a little shopping around and it was actually cheaper for me to go with a company and disregard my previous history in Oz which is a shame. To find your rating, check your current car insurance policy. No claims bonus (NCB), signifies the time period/number of years in which the policyholder hasn't made an insurance claim on his/her car insurance policy. The amount of discount is calculated by reference to the number of years that you have driven a vehicle without making a claim on your car insurance. Several governments across the globe have introduced no-claims discount (NCD) schemes with some co-ordination at a national level, aiming to promote sensible driving behaviour and reduce the number of. This means that the higher your class and your no-claims bonus are, the less you pay for your car insurance.