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No Claims Bonus

Protect your No Claims Discount with No Claims Protection* Get Quote *It is not necessary to purchase this optional extra in order to purchase a car Insurance policy.
Protect your no claims discount | Car Insurance | An Post Insurance

We're Human About Insurance

We reward safe drivers with a No Claims Bonus that'll deliver great value as well as great cover. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you. 

How we Help

Wallet-Friendly Protection

We know that everyone wants to get great value car insurance, so we offer competitive prices and an online discount to help lower the cost of cover.

Stress-Free Cover

We offer great cover, with many benefits included as standard. We work with a number of insurers to help you find a policy that suits your needs.

Benefits and Bonuses

Our insurers provide a wide range of benefits including 24 hour Breakdown Assistance (1). They also offer a bonus if you are claims-free.

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our team is available six days a week to help you get the help you need.

1) The driver must remain with the car.  

How Does the No Claims Bonus Work?

A No Claims Bonus (NCB) or No Claims Discount (NCD) is a discount that you may receive on your car insurance premium for each consecutive full year that you have not made a claim, starting from one year. The scale varies between insurers, but if you've had no claims in five or more years, you're likely to get a significant discount on your premium.  

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No Claims Bonus Protection

If you purchase this optional extra cover for an additional premium, it'll prevent you from losing all or some of your No Claims Bonus if you have to make a claim. You can choose to buy either full No Claims Bonus Protection or Step-Back Bonus Protection. (2)

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No Claim Bonus and Additional Drivers

Additional drivers could also gain driving experience on your policy as a named driver. The named driver may be awarded with a discount for each consecutive year's claims-free driving, should they wish to take out a policy in their own name (3).

2) It is not necessary to purchase this optional extra in order to purchase a car Insurance policy.
3) Acceptance of Named Driving Experience and Named Driving Experience discount differs from insurer to insurer. Terms and conditions apply.  

This will allow you to make two unlimited claims within a three year period on your car insurance policy without losing your No Claims Bonus. The number of claims free years you hold will determine if you are eligible to purchase this optional extra with each of our car insurance underwriters.

This is a partial protection of your No Claims Bonus.  In the event of a claim, your No Claims Bonus will step-back by a certain percentage, this amount will depend on your car insurance underwriter. The number of claims free years you hold will determine if you are eligible to purchase this optional extra with each of our car insurance underwriters.

We value your feedback

The website was easy to use. Not overly complicated like other insurance companies I have used in the past. Being able to upload the required documents after purchasing the insurance was fantastic - easy and efficient. The benefits included as standard are a game changer. My insurance policy and documents were received really quickly afterwards also. I’m already recommending An Post Insurance to my family and friends. Thank you! Aisling 31.05.2021

Good to Know

We've gathered together all the details you need to better understand how the No Claims Bonus and No Claims Bonus Protection work. Take a look at our FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.

Open driving is an optional cover available from An Post Insurance. Open driving allows other drivers to drive your car, with your permission, as long as they are aged from 25 to 70 years and hold a full EU/UK licence. Driver/vehicle eligibility criteria and restrictions may apply.

This optional extra allows you to Step-Back your No Claims Discount, which means that in the event of a single claim, you keep part of your discount. We will reduce your No Claims Discount as follows:

AIG policies

  • 55% to 30%,
  • 50% to 30%,
  • 40% to 20% or
  • 30% to 10%

Aviva policies

  • 50% to 20%,
  • 40% to 10% or
  • 30% or less to nil

FBD policies

  • 75% to 55%,
  • 70% to 55%,
  • 65% to 55% or
  • 55% to nil
  • 35% to nil

For an extra premium, this option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Discount. (We will not take account of windscreen damage or fire or theft claims.)

For an extra premium, this option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Discount. (We will not take account of windscreen damage or fire or theft claims.) For subsequent claims, Step-Back No Claims Discount applies.

Once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance, your certificate of insurance will be issued.

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