Do you lose no-claims bonus if you have accident in Australia and UK, yes you may lose part of no-claims bonus if you have at-fault accident $5K to $20K claim, with bonus dropping from 5 years 50% discount saving $500 per year on $1,000 base premium to 2 years 30% discount $700 premium increase $200 per year, or to 0 years 0% discount $1,000 premium increase $500 per year if 2+ claims in 3 years, but you keep bonus if not at-fault and other driver pays or if you have protected no-claims add-on $50 to $100 per year extra allowing 1 to 2 claims in 3 years without losing discount. No-claims bonus, or no-claims discount NCD, is discount 20% for 1 year, 30% for 2 years, 40% for 3 years, 50% for 5 years, 60% for 6+ years claim-free, saving $160 to $900 per year on comprehensive $800 to $1,500, lost if at-fault accident. For example, 5 years no claims 50% discount $500 premium, 1 at-fault accident $5K claim without protection, bonus drops to 2 years 30% discount $700 premium increase $200 per year, takes 3 years claim-free to rebuild to 50% $500, costing $600 extra over 3 years. If accident not at-fault and other insurer pays $5K and you have proof, you keep bonus 50% $500 premium no increase. If you have protected no-claims $50 to $100 per year extra, 1 to 2 at-fault claims in 3 years you keep 50% discount $500 premium, protection saves $200 per year increase. So you lose no-claims bonus if you have at-fault accident, bonus drops 20% to 50% losing $160 to $500 saving per year, but you keep bonus if not at-fault or if protected add-on $50 to $100 per year extra for 1 to 2 claims in 3 years.
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