Which insurance companies accept NCB no claims bonus insurance over 2 years old in Australia and UK, most insurers accept NCB up to 2 years without insurance, with some UK insurers like Aviva, Direct Line, Admiral, Churchill accepting up to 3 years old, and a few specialist insurers like Adrian Flux, NFU Mutual accepting up to 5 years old with proof, while in Australia NRMA, Allianz, Budget Direct, Youi typically accept up to 2 years old only, after which bonus expires and you start at 0%. NCB no claims bonus is discount 20% for 1 year, 30% for 2 years, 40% for 3 years, 50% for 5 years, 60% for 6+ years saving $160 to $900 per year on comprehensive $800 to $1,500, valid for 2 years without insurance with most insurers, so if you have 5 years NCB 50% discount and you have no insurance for 2 years, you can still use bonus with proof renewal notice from previous insurer showing 5 years no claims and no claims in last 5 years, paying $500 premium on $1,000 base versus $1,000 without bonus. For over 2 years old, most Australian insurers like NRMA, Allianz, Budget Direct, Youi, AAMI do not accept NCB over 2 years old, bonus expires after 2 years without insurance, you start at 0% $1,000 premium. In UK, some insurers accept up to 3 years old like Aviva, Direct Line, Admiral accepting 3 years old with proof, and specialist insurers like Adrian Flux, NFU Mutual, Swinton accepting up to 5 years old with proof and higher premium 10% to 20% extra $100 to $200. So insurance companies accepting NCB over 2 years old include UK Aviva, Direct Line, Admiral up to 3 years, Adrian Flux, NFU Mutual up to 5 years specialist, while in Australia most accept only up to 2 years old, with over 2 years bonus expired and you start at 0% discount.
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