No-claims years and no-claims discount
Your no-claims years are accumulated capital. One at-fault claim costs you years of discount.
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Work out for yourself what it would cost.
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How they work
Every year without an at-fault claim earns you a no-claims year. Those years give a discount on your premium, rising to seventy or eighty per cent with a long history.
The first years give the biggest steps. After that the discount levels off.
What happens when you claim
With a an at-fault claim you step back several years — often five. That works through into your premium for years, even if you drive claim-free after that.
With a claim for which someone else is liable and which is successfully recovered, nothing changes to your years.
The calculation with a small claim
If the damage is just above your excess, work out what stepping back will cost you over the coming years. With a claim of eight hundred euros, paying yourself can be cheaper than claiming.
You may always report a claim; claiming is a separate choice that you can calculate.
Check your registration
Your years are recorded in Roy-data, the insurers' central register. Mistakes do occur: a claim wrongly recorded as an at-fault claim, or years that were not carried over when you switched.
Request your registration and check it. It can be corrected, but only if you notice.
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Frequently asked questions
This is what people ask us most.
How do I build up no-claims years?
Every year without an at-fault claim earns you one.
How much discount do they give?
With a long history, rising to seventy or eighty per cent.
What does an at-fault claim cost?
Often a step back of several years, which works through for years.
Do I lose years if the other party is at fault?
No, provided the claim is successfully recovered.
Where are my years registered?
In Roy-data; request your registration and check it.
Should I claim for small damage?
Work it out; paying yourself is often cheaper than stepping back.