No Claim Bonus Impact Calculator
NCB Impact
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How No-Claim Bonus Works in Australia
Your no-claim bonus (NCB) is a discount that builds up over years without making an at-fault claim. It can reduce your premium by up to 60-70% with some insurers after many years of claim-free driving.
At-Fault vs Not-At-Fault Claims
Most insurers only reduce your NCB for at-fault claims. If you're hit by another driver and it's clearly their fault, your NCB is typically protected - though you may need evidence (witness statements, dashcam footage, police reports) to support this.
Is It Worth Claiming for Minor Damage?
For small claims, it's often worth calculating whether the NCB loss and future premium increases outweigh simply paying for minor repairs yourself.
Estimates only - NCB scales vary significantly between insurers. Check your specific policy for exact figures.