Car Insurance: Top tips to keep your car insurance premium down29 October 2013 - Which Way To Pay Does a no claims bonus actually make your car insurance cheaper?A no claims bonus is one of the best ways to make substantial savings on your car insurance and more often than not you could end up saving up to 30% off your premium in one year. Earn yourself five years continuous no claims and your discount could be more like 60% off the price you would otherwise have been quoted. Avoid making a claim on your car insuranceIf you can avoid claiming on your car insurance policy, you will start to accrue a no claims discount for every year that you have insurance and do not make a claim. Unfortunately, even if the accident was not your fault your no claims could still be effected – a claim is still a claim. Watch out, this is even the case for uninsured drivers. How to earn no claims on your car insuranceEarn a no claims discount on all types of vehicle insurance policies, including third party, fire and theft. The maximum number of years you can obtain a no claims discount for is usually five years, however, always check the terms and conditions of the individual policy as some companies offer up to eight years! Can I protect my no claims bonus?The simple answer to this is, yes. A great way to safeguard your no-claim bonus is to pay an additional amount on top of your car insurance to protect it. This means if you were going to make a claim on your car insurance, your no claims would remain the same.
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