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'No' No Claims Bonus Zero No Claims Bonus - No Problem

Cheaper Car Insurance with City Insurance

"Zero, nil, reduced No Claims Bonus - No Problem!" Our Introductory bonus scheme can allow an equivalent no claims discount of up to 70%.

At City Insurance we provide the most competitive, low-cost premiums for drivers without a claims bonus.

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0345 017 9795

Here are a few example of how you can benefit with a policy
from City Insurance.

  • You don't have a "No Claims Bonus" in your name
  • You may be an ex-company car driver.
  • You are insuring a second car.
  • You have been named driver on someone else's policy.
  • Your bonus may have been lost as a result of a claim.
  • You have had an accident against a "Protected no claims bonus"

You don't have a "No Claims Bonus" in your name – If you have been a driver on say a partner’s or spouses policy and now need to insure you own car we can allow as many years claim free years equally large discounts as per the scale shown.

You may be an ex-company car driver – If you have had use of a company car, this can counts towards earnt no claims bonus. Generally a letter from your previous employer stating how long you have used the company car for and confirming your driving history with the firm will suffice as proof

You are insuring a second car – Insuring a second car doesn’t mean you start from scratch. We can allow a second car no claims bonus, this can mirror the same level that you have on your first car or van. You have been named driver on someone else's policy – If you have been a driver on someone else’s policy, we can allow a no claims bonus based on how long you have driven claim free on that person’s policy

Your bonus may have been lost as a result of a claim – Losing your no claims bonus due to claims can be a costly exercise. However we will take a look at your overall driving experience and normally allow an intro discount that can reduce costs considerably.

You have had an accident against a "Protected no claims bonus" – Depending on the scale of no claims bonus that your previous insurer has used, we may be able to transfer a protected no claims bonus. Alternatively if the protection is lost we may be able to continue with a discount

No Claims bonus scale
Zero No Claims Bonus & Introductory Discounts Only
1 year no claims: 30% discount
2 years no claims: 40% discount
3 years no claims bonus: 50% discount
4 years no claims bonus: 60% discount
5 years+ no claims bonus: 65-75%

What happens to your bonus if you claim?

When you make a claim your no claims bonus is 'stepped back' by two years – use the scale above as an indication (as this may vary from insurer to insurer). Once you have reached the top of the scale, an additional loyalty discount may be included for your ongoing custom.

Once you have reached the maximum bonus, you may have the option to "protect or guarantee" your no claims bonus to guard against loss from claims

Monthly premiums available (Subject to status)

If you have Zero or less than three years no claims bonus because -
Ex company car driver – Named driver – Second car – Lost bonus – Reduced bonus
Get a quote From Us Online & Call Us With The Web Reference number – We may offer More Bonus
Or Call Us For An Immediate Quote 0345 017 9795


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City Insurance Group
88-89 High St
SO23 9AP
Tel: 01962 844848



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City Insurance Group is a trading style of City Broking Ltd (No 7184645) Registered in England and Wales. Registered Office: 88/89 High Street, Winchester. SO23 9AP England. Authorised and Regulated by the Financial Conduct Authority (No 520574)