No-Claims Bonus Calculator - Return to 50% bonus
Calculate the evolution of your no-claims bonus coefficient after a claim or a claim-free year. Project your future premium.
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Frequently Asked Questions
How does the no-claims bonus system work?
Each year without an at-fault claim, your coefficient drops by 5% (multiplied by 0.95). In case of an at-fault claim, it increases by 25% (multiplied by 1.25). Minimum is 0.50 (max bonus), maximum 3.50.
How long to reach the 50% bonus?
It takes 13 consecutive years without an at-fault claim to go from coefficient 1 (start) to coefficient 0.50 (maximum bonus).
Does a non-fault claim affect my bonus?
No, a claim where you're not at fault doesn't affect your coefficient. Only claims where you're at fault (total or partial) impact your no-claims bonus.