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Is 9 years the maximum no claims bonus?

Asked by Anonymous Oct 12, 2026 1 views 1 answers
Find helpful information and answers about Is 9 years the maximum no claims bonus.


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Answered Oct 13, 2026
Is 9 years the maximum no claims bonus in Australia and UK, no 9 years is not maximum, maximum no claims bonus is 5 to 6 years for 60% to 70% discount saving $480 to $1,050 per year on comprehensive $800 to $1,500 per year base premium $1,000, with most Australian insurers like NRMA, Allianz, Budget Direct, Youi capping at 5 to 6 years 60% max, UK insurers like Aviva, Direct Line capping at 6+ years 70% max, so 9 years no claims same as 5 to 6 years 60% to 70% discount, not higher than 5 years. No-claims bonus builds with claim-free years, 1 year 20% to 30%, 2 years 30% to 40%, 3 years 40% to 50%, 4 years 50% to 60%, 5 years 60% and 6+ years 60% to 70% maximum, with 9 years claim-free still 60% to 70% max, not 80% to 90%, worth $480 to $1,050 saving per year. For example, comprehensive base premium $1,000 per year for $20K car with 0 years no claims, with 5 years no claims 60% discount = $400 premium saving $600 per year, with 9 years no claims also 60% discount = $400 premium saving $600 per year, same as 5 years, not higher. Some insurers display 9 years no claims on renewal notice as you have 9 years claim-free history, but discount maxes at 5 to 6 years 60% to 70%, so 9 years no claims bonus worth same as 5 years max 60% to 70% discount, with some insurers offering extra loyalty discount 5% to 10% for 9+ years claim-free $50 to $100 extra saving, but standard NCD max 60% to 70% after 5 to 6 years. So 9 years not maximum, maximum discount is 5 to 6 years 60% to 70%, with 9 years same as 5 years max, worth $400 to $600 premium versus $1,000 without bonus.
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