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.
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.
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).
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
It was so easy and straightforward. The agent was lovely and very professional. No list of questions, unlike other companies I have dealt with. Quick and to the point. No time wasting which I'm grateful for. Will be back again! Eileen 30.11.2022
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.
AIG & Aviva Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 70 years holding a full EU or UK driving licence - The driver cannot have any penalty points unless they are named on the policy.
FBD Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 71 years holding a full Irish, UK or EU driving licence. Up to 6 Penalty Points are allowed provided they are not court awarded.
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims bonus in the event of a single claim. 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
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
For an additional premium, our protected No Claims Discount option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Bonus. (We will not take account of windscreen, fire or theft claims.)
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
Protected No Claims Bonus/Discount with Step-Back option allows you to have up to two unlimited car insurance claims in a three year period, without losing your No Claims Bonus. (We will not take account of windscreen damage or fire or theft claims.) This is an optional extra that would incur an extra premium. For subsequent claims, Step-Back No Claims Discount applies.
It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.
Your certificate of insurance will be issued once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance.
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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.