No Claims Bonus FAQs

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 Claims 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:

Any claim payment for fire, theft, vandalism or windscreen damage will be paid and won't  impact your no claims bonus.

If you make one or more claims under your policy, we can increase premiums or change your policy terms and conditions.

Although you can protect your NCB, your premium may be affected by your claims experience and it may increase. If your premium has been affected by your claims experience any impact to your premium will be outlined on your premium breakdown summary.

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:

You cannot get step-back protection until you have reached four years NCB. We will not charge you for it until you have reached this point.

Any claim payment for fire, theft, vandalism or windscreen damage will be paid without impact on your NCB entitlement.

Although you can protect your NCB, your premium may be affected by your claims experience and it may increase. If your premium has been affected by your claims experience any impact to your premium will be outlined on your premium breakdown summary.

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.

Only the policyholder can build up a No Claims Bonus. However, a named driver can build up named driving experience with Allianz, which will convert into a No Claims Bonus, often called an introductory no claims discount.

Yes, if you switch car insurance providers you can transfer the number of years No Claims Bonus you have. You need to request a Proof of No Claims Bonus from your previous insurer and send it to your new insurer as confirmation of your NCB. This document is usually issued with your renewal notice.

Yes, of course. Allianz takes lots of things into consideration when finding the right car insurance policy for you. Your No Claims Bonus is just one of many factors that affects your premium.