Car Insurance No Claims Bonus Explained

No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have 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 cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus.

Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any claims is a good one.

When changing provider, Car Insurance companies will usually ask you to prove your No Claims Bonus in the form of a renewal notice or a letter from your current Car Insurance company. If you have several years of No Claims Bonus but then make a claim, the Car Insurance company will usually apply it's rules of how much to knock back your No Claims Bonus Years. Some companies such as Accept Direct ( http://www.acceptdirect.co.uk ) offer to protect your No Claims Bonus for an extra fee during the quotation process. Having full no claims bonus can also entitle you up to 75% discount on your car insurance premium.

Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk

About The Author

Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/american-safety-insurance-holdings-ltd/story.aspx%3Fguid%3D%257B51C3BB18-3ACB-4759-B5BD-0419FF51DE1C%257D%26dist%3Dhpprcid=1257382471ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNHEmSr9F4JPrF_1IOqWupcJU5TgtgAmerican Safety bInsurance/b Holdings, Ltd. (NYSE:ASI)To Release b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1The conference call and the content thereof, and any tape, broadcast or publication thereof by American Safety bInsurance/b Holdings, Ltd. are the sole b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.businesswire.com/news/google/20081013005845/encid=1257382471ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNHogSRZeszoN5IVWMyuqaKJRqp_3gIndependence Holding Company and American Independence Corp b.../b/a font size=-1 color=#6f6f6fnobrBusiness Wire (press release)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/everest-re-group-provides-preliminary/story.aspx%3Fguid%3D%257B375349B6-3A99-46CF-8E85-C142DC4CB0F1%257D%26dist%3Dhpprcid=1257382471ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNELozUSjqOM5DHRTDWL8D5US76kywEverest Re Group Provides Preliminary View of Third Quarter 2008 b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257382471hl=ennobrall 24 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dbtechno.com/health/2008/10/13/obama-continues-to-show-he-has-the-best-health-plan/cid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNGD-z43cMxnKYb0dbP2pfJB27kWcAimg src=http://news.google.com/news?imgefp=SKFeZp-39BwJimgurl=www.dbtechno.com/images/Obama_Mccain_health.jpg width=80 height=62 alt= border=1brfont size=-2dBTechno/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.courant.com/news/local/hc-healthcare1014.artoct14,0,7575922.storycid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNEoiFW1ECWsSYZnJAlfnJAK9DL0wAHealth Care Big Issue For Owner Of Small Business In Plainville/abrfont size=-1font color=#6f6f6fHartford Courant,nbsp;United Statesnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1By BILL LEUKHARDT PLAINVILLE — - Maureen Flynn#39;s health is OK, and she has medical binsurance/b. But to Flynn, the owner of a used bookstore, health care is a b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sltrib.com/News/ci_10710537cid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNF3hsZr2etu5f7grjkv7KhBiVGkwgHealth care: Utahns see good, bad and risky in McCain, Obama plans/a font size=-1 color=#6f6f6fnobrSalt Lake Tribune/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.miamiherald.com/news/politics/campaign-2008/story/721466.htmlcid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNEYg_ZIpz_uptDIARDXqamXBNn5BwHealthcare overhaul: How McCain and Obama differ/a font size=-1 color=#6f6f6fnobrThe Miami Herald/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.weeklystandard.com/weblogs/TWSFP/2008/10/better_late_than_never.aspcid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNGlGtnUFBGceL-At-VXhynBL_Jd6wBetter Late than Never/a font size=-1 color=#6f6f6fnobrThe Weekly Standard/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://minnesota.publicradio.org/display/web/2008/10/13/presidential_healthcare_plans/cid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNHlFgAXK5n3vXL8pC6qH7oTL3boDQnobrMinnesota Public Radio/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.huffingtonpost.com/roger-hickey/mccains-radical-health-pl_b_134376.htmlcid=1257574578ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNF6ZqTuSq5tLuzMcabajzVYL6ew6QnobrHuffington Post/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257574578hl=ennobrall 48 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.post-gazette.com/pg/08288/919697-28.stmcid=1256587077ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNElY2cKGZvNKngZ4mfvnHa8oO8N5APa. employer-provided health binsurance/b drops/abrfont size=-1font color=#6f6f6fPittsburgh Post Gazette,nbsp;PAnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1While employer-provided coverage is down, the EPI saw an increase in the number of people under age 65 with health coverage, due to public binsurance/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/pennsylvanias-loss-employer-health-coverage/story.aspx%3Fguid%3D%257BCCF2C052-E1C5-4A3C-95CD-3B5951FB2FDF%257D%26dist%3Dhpprcid=1256587077ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNFZo5gRK3anstz-aA0i_PuU5L0IOQPennsylvania#39;s Loss of Employer Health Coverage Outstripping b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/13/ap5543709.htmlcid=1256587077ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNEpnc9wPjtAMz6nZ4OpMz0wn1AnNwReport: NM ranks worst for employer health plans/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.nj.com/njv_editorial_page/2008/10/ahead_on_health_insurance.htmlcid=1256587077ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNFI_PYFGXCXU9dnT-MFCm9a28h2iAAhead on health binsurance/b/a font size=-1 color=#6f6f6fnobrThe Star-Ledger - NJ.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ocregister.com/articles/insurance-coverage-through-2193572-health-peoplecid=1256587077ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNGmOTbW5abqi-WxA6PxkFn8PoXLYAnobrOCRegister/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://southernstudies.org/facingsouth/2008/10/report-shows-large-declines-in-employer.aspcid=1256587077ei=SFz0SKzQI4yQ6wPxzfCcDQusg=AFQjCNFHR9Wkk5VAK__kShmQirAd8SiYCQnobrFacing South/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256587077hl=ennobrall 68 news articles/nobr/a/font/div/font/td/tr/table
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