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No Claims Bonus FAQs

Our most Frequently Asked Questions about Allianz Car Insurance No Claims Bonus.

Every year you earn a No Claims Bonus you will receive a discount off your annual insurance premium. The more years No Claims Bonus earned will result in a higher discount off your premium, subject to our maximum.

A No Claims Bonus can only be used on one vehicle at a time.

If you make a claim on your policy your No Claims Bonus could be reduced to nil at your next renewal unless you avail of one of our No Claims Bonus protection options.

There are 2 levels of bonus protection available on an Allianz car insurance policy, Protected No Claims Bonus and Step-back No Claim Bonus Protection.

Read more on No Claims Bonus

Read more on No Claim Bonus if You Move Abroad

You can opt to include Protected No Claims Bonus with your Allianz car insurance policy. This benefit allows you to have one unlimited third party or accidental damage claim in any 3 year renewal period, without having an impact on the No Claims Bonus you have earned. This means if you have an accident and you claim on your policy it will not affect your No Claims Bonus.

However, if you make a second claim in the same three year renewal period, your No Claims Bonus will be stepped back by 3 years. In the event of a third or subsequent claim in the same consecutive three year renewal period your No Claims Bonus will be reduced to Nil.

Please refer to table below:

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Years of NCB at your last
renewal
date
Years of NCB at next renewal date if you had
A. No Claim in the current Period of Insurance B. Any Claim in the current Period of Insurance
  Which is the only claim in the last three year period Which is the second claim in the last three year period Which is the third claim or subsequent claim in the last three year period
Nil 1 Nil Nil Nil
1 2 1 Nil Nil
2 3 2 Nil Nil
3 4 3 Nil Nil
4 5 4 1 Nil
5 or more 5 or more 5 or more 2 Nil
Any claim payment for windscreen breakage, fire damage or theft will be paid without an impact on Your No Claims Bonus earned.

Step-back No Claims Bonus Protection is partial protection of your No Claims Bonus. You can opt to include Step-back No Claims Bonus Protection on your policy.

If you have Step-back No Claims Bonus Protection and make one claim for own damage or accidental damage your No Claims Bonus will be reduced by 3 years.

Please refer to the table below:

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Years of NCB at your last renewal date Years of NCB at next renewal date if you have had
  One claim Two or more claims
1-3 Nil Nil
4 1 Nil
5 or more 2 Nil
You must hold a minimum of 4 years No Claim Bonus in your own name to avail of Step-back No Claim Bonus Protection.
Following the cancellation of your policy, your No Claims Bonus remains valid for 2 years.
You can only use your No Claims Bonus for one motor policy at any one time.