What is most no claims bonus you can have in Australia and UK, most no claims bonus maximum is 60% to 70% discount after 5 to 6 years claim-free, with some insurers offering 60% max, some 65% to 70% max, saving $480 to $1,050 per year on comprehensive $800 to $1,500 per year base premium $1,000. No-claims bonus, also called no-claims discount NCD, 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 most Australian insurers like NRMA, Allianz, Budget Direct, Youi capping at 60% discount after 5 to 6 years claim-free, with some UK insurers like Aviva, Direct Line capping at 70% after 6+ years. For example, comprehensive base premium $1,000 per year for $20K car with 0 years no claims, with 6+ years no claims bonus 60% discount = $400 premium saving $600 per year, with 70% discount = $300 premium saving $700 per year. Some insurers offer 60% max, so 10 years no claims still 60% $400 premium, not higher than 5 years. So most no claims bonus you can have is 60% to 70% discount after 5 to 6 years claim-free, saving $480 to $1,050 per year on comprehensive $800 to $1,500, with 60% most common max in Australia after 5 years, 70% max in UK after 6+ years, with 10 years no claims same as 5 years max 60% to 70%, not higher, with protected no claims add-on $50 to $100 per year extra to protect 60% bonus allowing 1 to 2 claims in 3 years without losing max discount.
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