Average NCB (no claims bonus) discounts for private motor insurance

Below are the latest figures detailing the average no claims discount offered by our insurers.

To find out more about the cover available, visit our car insurance page. Or for information on insuring a fleet of vehicles, be sure to check our commercial vehicle insurance.

Ageas Insurance Limited (Ageas private car scheme)

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	12
Two Years NCD	16
Three Years NCD	18
Four Years NCD	20
Five Years NCD	21
Six Years NCD	23
Seven Years NCD	24
Eight Years NCD	31
Nine (or More) Years NCD	50

Ageas Insurance Ltd (all combined motor schemes, excluding Ageas private car)

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	32
Two Years NCD	41
Three Years NCD	47
Four Years NCD	49
Five Years NCD	49
Six Years NCD	51
Seven Years NCD	52
Eight Years NCD	54
Nine (or More) Years NCD	60

Aviva

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	24
Two Years NCD	30
Three Years NCD	31
Four Years NCD	34
Five (or More) Years NCD	35

AXA Insurance plc (UK)

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	3
Two Years NCD	3
Three Years NCD	12
Four Years NCD	15
Five Years NCD	17
Six Years NCD	19
Seven Years NCD	24
Eight Years NCD	30
Nine (or More) Years NCD	35

Covea Insurance – private car

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	11
Two Years NCD	26
Three Years NCD	24
Four Years NCD	23
Five Years NCD	25
Six Years NCD	27
Seven Years NCD	29
Eight Years NCD	29
Nine (or More) Years NCD	36

Covea Insurance – commercial vehicle

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	8
Two Years NCD	13
Three Years NCD	17
Four Years NCD	21
Five Years NCD	23
Six Years NCD	26
Seven Years NCD	29
Eight Years NCD	33
Nine (or More) Years NCD	33

ERS – private hire

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	22
Two Years NCD	37
Three Years NCD	39
Four Years NCD	42
Five Years NCD	42
Six Years NCD	42
Seven Years NCD	42
Eight Years NCD	42
Nine (or More) Years NCD	46

ERS – motorhome

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	24
Two Years NCD	24
Three Years NCD	24
Four Years NCD	24
Five Years NCD	26
Six Years NCD	27
Seven Years NCD	27
Eight Years NCD	27
Nine (or More) Years NCD	27

ERS – van

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	2
Two Years NCD	21
Three Years NCD	25
Four Years NCD	27
Five Years NCD	31
Six Years NCD	34
Seven Years NCD	36
Eight Years NCD	39
Nine (or More) Years NCD	41

KMG – private car

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	30
Two Years NCD	40
Three Years NCD	55
Four Years NCD	65
Five Years NCD	65
Six Years NCD	65
Seven Years NCD	65
Eight Years NCD	65
Nine (or More) Years NCD	65

(LV=) ABC Insurance – ABC car/highway car

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	33
Two Years NCD	37
Three Years NCD	40
Four Years NCD	42
Five Years NCD	42
Six Years NCD	43
Seven Years NCD	45
Eight Years NCD	48
Nine (or More) Years NCD	48

(LV=) Highway Insurance – van

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	33
Two Years NCD	37
Three Years NCD	40
Four Years NCD	42
Five Years NCD	42
Six Years NCD	43
Seven Years NCD	45
Eight Years NCD	48
Nine (or More) Years NCD	48

NIG

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	-4
Two Years NCD	-5
Three Years NCD	-8
Four Years NCD	-8
Five Years NCD	-6
Six Years NCD	-8
Seven Years NCD	-9
Eight Years NCD	-9
Nine (or More) Years NCD	-13

Sabre Insurance Company Ltd – PC and CV

Number of Years No Claims Discount	Average NCD Discount (%) in 2024
One Years NCD	8
Two Years NCD	8.2
Three Years NCD	8.4
Four Years NCD	8.6
Five Years NCD	8.8
Six Years NCD	9
Seven Years NCD	9.2
Eight Years NCD	12
Nine Years NCD	14.7
Ten Years NCD	15.3
Eleven Years NCD	16
Twelve Years NCD	16.5
Thirteen Years NCD	17.1
Fourteen Years NCD	17.7
Fifteen Years NCD	18.3
Sixteen Years NCD	18.9
Seventeen (or More) Years NCD	19.5

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