How you avoid losing no-claims bonus in Australia and UK is by driving safely to avoid at-fault accidents $5K to $20K claims, buying protected no-claims add-on $50 to $100 per year extra allowing 1 to 2 claims in 3 years without losing discount 20% to 60%, and not claiming for small damages $500 to $1,000 below excess $500 to $1,000, as claim-free years build 20% to 60% discount saving $160 to $900 per year. 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 you have at-fault claim. To avoid losing bonus, drive safely with defensive driving, maintain distance, avoid speeding and drink driving which cause 50% of at-fault claims $5K to $20K, reducing accident risk 50%. Buy protected no-claims add-on $50 to $100 per year extra on comprehensive $800 to $1,500, which protects discount 50% to 60% allowing 1 to 2 at-fault claims in 3 years without losing discount, for example 5 years no claims 50% discount $500 saving, protection $70 extra, 1 claim $5K you keep 50% discount versus without protection discount drops to 30% losing $200 saving. Avoid claiming for small damages $500 to $1,000 below or slightly above excess $500 to $1,000, as claiming loses bonus 20% to 50% $160 to $500 increase next year, so pay small $500 to $1,000 out of pocket to keep bonus. So avoid losing no-claims bonus by safe driving, buying protected add-on $50 to $100 per year for 50% to 60% bonus $400 to $900 saving, and not claiming small damages $500 to $1,000 below excess.
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