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Information in this article is based on details published by each insurer on their website at the time of writing.
Your no-claims bonus can make a huge difference to your annual premium, and every insurer treats it slightly differently. Some offer higher maximum years, some give clearer explanations, and others offer smart ways to build your discount faster.
Below are the best UK car insurance companies for NCB — with Zego placed at number 4 as requested.
1. Aviva — Best for clear, easy-to-follow NCB rules
Aviva is one of the most transparent insurers when it comes to explaining how your NCB works. They set out what happens if you switch cars, add a driver, or make a claim, and they make transferring your bonus from another insurer straightforward. Their structure also shows how discounts grow steadily over your first few claim-free years, which is helpful if you’re still early in your driving journey.
2. AXA — Best for strong NCB protection options
AXA gives drivers the option to pay for protected NCB, which means you can keep your discount even if you make certain types of claims. They outline clear conditions for keeping your bonus and accept transferred NCB when you switch from another provider. This makes AXA a solid choice for anyone who’s built up a few years of discount and wants to safeguard it.
3. Admiral — Best for maximum NCB years and reliability
Admiral stands out for allowing drivers to build NCB over a longer period than many other insurers. They also offer different types of bonus protection, letting you preserve your discount even after one or more claims depending on your policy choice. If you’ve been claim-free for many years, Admiral is one of the most stable insurers for long-term NCB security.
4. Zego — Best for drivers with 1–3 years of No claims
Zego approaches NCB differently by combining traditional insurance with an app-based telematics system. Instead of relying solely on how many claim-free years you have, Zego rewards real driving behaviour through their telematics app. This makes them a strong option for newer drivers or anyone in their first three years of NCB who wants their actual driving habits to support their renewal price.
Drivers with established habits often benefit from Zego’s feedback system, which helps reduce the chance of claims and protects early NCB progress. It’s a modern, flexible choice for anyone looking to build a strong driving profile quickly.
5. esure — Best for long-term claim-free drivers
Esure is a great option for drivers who already have many years of claim-free history. They are known for recognising long NCB periods and make transferring your existing bonus simple. If your priority is maintaining a long streak of safe driving and keeping your renewal prices predictable, esure fits the bill.
FAQ: No-Claims Bonus & No-Claims Discount
What is a no-claims bonus?
A no-claims bonus (NCB) is a discount applied to your car insurance premium for each year you drive without making a claim. The more consecutive claim-free years you have, the bigger the discount.
How fast does NCB grow?
It varies by insurer, but most offer a small discount after one year, with the biggest savings coming after around 5–9 years. Some insurers let you build NCB for much longer.
What happens if I make a claim?
If you make a claim that is deemed your fault or where costs cannot be recovered, your NCB may be reduced. Some insurers drop you by one or more years, while others reset your bonus entirely.
What is protected NCB?
Protected NCB is an optional upgrade you can buy that allows you to keep your discount even if you make one or more claims, depending on the rules of your policy.
Can I transfer my NCB to a new insurer?
Yes. Nearly all insurers allow you to transfer your NCB as long as you provide proof, usually via a renewal letter or confirmation of your last policy.
David Prior
David Prior is the editor of Today News, responsible for the overall editorial strategy. He is an NCTJ-qualified journalist with over 20 years’ experience, and is also editor of the award-winning hyperlocal news title Altrincham Today. His LinkedIn profile is here.
