How do I avail of my No Claims Bonus?

Car, van or motorcycle

A no claims bonus (or no claims discount) is a discount which you earn by holding a policy in your own name without any claims. It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of five years.

To avail of a no claims bonus, you must have earned your bonus on a similar policy.

  • You can use a no claims bonus earned on private motor, taxi or commercial policies on your private motor policy.
  • For a no claims bonus to be applied on a taxi policy, it must have been earned on a taxi policy.
  • For a no claims bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
  • You can use a no claims bonus earned on commercial vehicle or private motor vehicles on a commercial vehicle policy with up to two tonne carrying capacity only.

If your discount has been earned with another insurer, it must have been earned policy in the past two years, within Ireland, UK, all EU countries, USA, Canada, Australia or New Zealand.

The discount can only be used on one policy at any one time.

Once you buy your policy, you will need to provide us with proof of your no claims bonus. To do this you will need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy to info@libertyinsurance.ie, fax it to us on 049 4368101, or post it to us at Dublin Road, Cavan, Co Cavan. Remember to write your policy or reference number clearly on any documents you send to us.

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