No Claims Bonus Protection for Car Insurance
Keep your No Claims Discount protected*
Get QuoteWhat is a No Claims Bonus?
A No Claims Bonus (also called a No Claims Discount or NCD) is a discount on your Car Insurance premium that you earn for each consecutive year you drive without making a claim. The more years you go claim-free, the bigger the discount, up to a maximum that varies by insurer1. However, if you make a claim without protection in place, you could lose some or all of that discount.
1) Of the four car insurance providers available to An Post Insurance customers, a 75% no claims discount is available on policies provided by FBD Insurance plc only.
What happens to my No Claims Bonus if I make a claim?
If you make a claim on your Car Insurance and you do not have No Claims Discount Protection, your discount may be reduced or removed entirely at renewal, significantly increasing your premium the following year. Note that certain claim types, such as windscreen, fire, and theft claims, do not affect your No Claims Discount even without protection in place.
This is why No Claims Discount Protection exists. It is an optional extra, available at an extra cost, that allows you to make a claim without losing your No Claims Discount, subject to eligibility (you may need a minimum number of claims-free years to qualify). The cost of adding NCD Protection is based on your premium, not on the number of claim-free years you have built up. It is not necessary to purchase this optional extra in order to purchase a car insurance policy. An Post Insurance offers two types of protection:
- Full No Claims Discount Protection: This allows you to make one or two claims (depending on your insurer) in a three-year period without losing your No Claims Discount. Windscreen, fire, and theft claims do not count toward this limit.
- Step-Back NCD Protection: If you make a claim, your discount steps back by a set amount rather than being removed entirely. The Step-Back NCD Protection scale varies by insurer. With Allianz, Step-Back is included as standard.
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.
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
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
Our protected No Claims Discount option allows you to have either one or two unlimited claims in a three year period, without losing your No Claims Discount depending on your policy 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.
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.
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.
Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your car insurance underwriter and those applicable to you will be outlined in your policy documents.
How do I add No Claims Discount Protection to my policy?
No Claims Discount Protection is an optional extra that you can add when getting a car insurance quote with An Post Insurance. Here is how it works:
- Get a car insurance quote online or by phone: During the quote process, if applicable, you will be offered the option to add No Claims Discount Protection.
- Choose your protection type: Select either Full No Claims Discount Protection or Step-Back NCD Protection, depending on your preference and budget.
- The cost is added to your premium: No Claims Discount Protection is charged as an additional premium on top of your standard car insurance cost.
- Your protection is confirmed in your policy documents: Once purchased, the protection type you have chosen will be listed in your policy schedule. This optional extra is not necessary to purchase in order to purchase a policy.
The number of claims-free years you hold will determine whether you are eligible to purchase this optional extra with each of our car insurance underwriters.
Why protect your No Claims Bonus with An Post Insurance?
- Choice of protection: Full Protection keeps your discount intact after a claim. Step-Back NCD Protection reduces the impact. You choose what works for you.
- Multiple insurers, one quote: An Post Insurance searches across our panel of leading Irish insurers and presents you with the most competitive price. NCD protection options are then available based on the eligibility criteria for your quoted insurer.
- 100% Irish-owned: Headquartered in Athlone, with a team that understands the Irish market.
- Trusted by thousands: Rated 4.7 out of 5 on Trustpilot with over 5,700 reviews.
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The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
No Claims Bonus FAQs
A No Claims Bonus (NCB) is a discount on your Car Insurance Premium earned for each consecutive year you drive without making a claim. The discount increases each year, up to a maximum that varies by insurer. If you make a claim without NCD protection, your discount may be reduced or removed entirely.
Full No Claims Discount Protection allows you to make one or two claims (depending on your insurer) in a three-year period without any reduction to your discount. Step-Back NCD Protection reduces your discount by a set amount after a claim rather than removing it entirely. Full Protection costs more but provides stronger cover. Both are subject to eligibility. You may need a minimum number of claims-free years to qualify. It is not necessary to purchase these optional extras in order to purchase a Car Insurance Policy.
A No Claims Discount usually lasts for two years from the date your last policy in your own name ended. You do not earn a No Claims Discount unless you are the policyholder of the car insured, and if you have a gap in cover longer than two years, you may lose your accumulated discount.
Yes, when getting a quote with An Post Insurance, you will be asked to provide your NCD details. Your No Claims Bonus Certificate can be found in your Car Insurance renewal notice from your previous insurer.
No, windscreen, fire, and theft claims do not affect your No Claims Discount with any of our insurers, regardless of whether you have NCD protection in place. Your discount percentage remains the same and your premium is not impacted. Please note you must disclose all claims, even if they do not affect your No Claims Discount, as they may affect acceptance criteria.
No, a No Claims Bonus can only be earned by the policyholder; the person who holds the policy in their own name. However, as a named driver on someone else's policy, you can earn Named Driving Experience (NDE), which is a record of your claims-free driving history. When you take out a policy in your own name, your NDE may entitle you to a discount, though the acceptance and discount offered varies by insurer.
