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No Claims Reward is a expression used to describe the number of years you've had Car insurance without making a claim. For example, as long as you have had Automobile Insurance for 4 years and you've not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the price of your Auto insurance premium. Each year that goes by without you making a claim is an additional year of No Claims Reward.

Typically speaking, the more No Claims Reward years you've, the more affordable your premium is going to be for the auto you have to cover. This is because Car insurance organisations can see your historical past regarding making any incident claim is an excellent one.

Any time changing provider, Car insurance organisations will probably usually ask you to verify your No Claims Bonus in the form of a renewal notice or a letter from your present Auto insurance organization. If you've several years of No Claims Reward but then make a claim, the Car insurance company can typically apply its guidelines of how much to knock back your No Claims Bonus Years. Some companies like Accept Direct offer to protect your No Claims Reward for an extra fee throughout the quote process. Getting complete no claims bonus can also entitle you up to 75% discount in your car insurance premium.

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