No Claim Bonus

Introducing the new SGIC Insurance No Claim Bonus Program

We've introduced a new No Claim Bonus program to reward you for a good claims history.

This No Claim Bonus is a discount applied to your insurance premium, and it comes with extra privilges, the longer you remain claim free.

The information below explains our No Claim Bonus program and our eligible products.

Depending on your claims history and driving experience, you may get a No Claim Bonus of between 0% and 60%. You then move up one discount level after each claim free year, until you reach the 65% No Claim Bonus.

60% is the highest No Claim Bonus available when you take out a new policy.

65% Claim Free Privilege is awarded when you've held 60% No Claim Bonus for 1 claim free year. The privilege provided is a maximum 65% No Claim Bonus.

65% Claim Free Privilege Plus is awarded when you've held 65% Claim Free Privilege for 1 claim free year. The privilege provided is a maximum 65% No Claim Bonus plus free No Claim Bonus Protection.

65% Claim Free Privilege Life is awarded when you've held 65% Claim Free Privilege Plus for 3 claim free years. The privilege provided is a maximum 65% No Claim Bonus protected for the life of your policy.

What does Claim Free mean?

Staying Claim Free means you don't make any 'non-recoverable' claims where we're unable to attempt to recover the costs of your claim.

What is No Claim Bonus Protection?

With No Claim Bonus Protection, you can make one claim in a Policy year and your No Claim Bonus will stay at the same level. However, it won't count as a claim free year, if you have protection and make more than one claim in a policy year, your No Claim Bonus Discount level will be reduced.

Depending on your claims and insurance history, you may get a No Claim Bonus of between 0% and 20%. You then move up one discount level after each claim free year, until you reach the 25% No Claim Bonus.

20% is the highest No Claim Bonus available when you take out a new policy.

25% Claim Free Privilege is awarded when you've held 20% No Claim Bonus for 1 claim free year. The privilege provided is a maximum 25% No Claim Bonus.

25% Claim Free Privilege Plus is awarded when you've held Claim Free Privilege for 1 claim free year. The privilege provided is a maximum 25% No Claim Bonus plus free No Claim Bonus Protection.

25% Claim Free Privilege Life is awarded when you've held Claim Free Privilege Plus for 3 claim free years. The privilege provided is a maximum 25% No Claim Bonus protected for the life of your policy.

What Does Claim Free mean?

Staying Claim Free means you don't make any 'non-recoverable' claims where we're unable to attempt to recover the costs of your claim.

What is No Claim Bonus Protection?

With No Claim Bonus Protection, you can make one claim in a Policy year and your No Claim Bonus will stay at the same level. However, it won't count as a claim free year, if you have protection and make more than one claim in a policy year, your No Claim Bonus Discount level will be reduced.