Home Insurance No Claims Bonus (NCB) Explained

When it comes to reducing the cost of your home insurance, one of the simplest and most rewarding tools available is your no claims bonus. It reflects the number of years you’ve gone without needing to make a claim, and while your cover is always there to support you when something happens, building up a no claims bonus can offer valuable savings over time.

Whether you are new to home insurance or have been a homeowner for years, this guide explains how an NCB works, what you can expect from Aviva, and how to make the most of your discount.

Think of your no claims discount (NCD) as a way to reduce the cost of your home insurance based on the number of years you haven’t needed to make a claim. With Aviva, each consecutive year without a claim increases the discount applied to your premium, building up to the maximum level after five years.

If you are a first-time buyer or brand new to residential insurance, Aviva also offers a generous 25% introductory no claims discount, so you do not start from zero. It is a simple, effective way to help keep your home cover costs down while still having the reassurance that your policy is there for you when you need it.

If you are switching insurers or setting up a new policy, you may need to provide proof of your no claims bonus. Thankfully, it is usually straightforward.

You can usually find your no claims bonus on:

• Last year’s renewal letter
• Your home insurance policy schedule
• A confirmation letter from your previous insurer

Having this proof ready ensures your new premium reflects the bonus you have earned.

You can get your no claims bonus statement through MyAviva 24/7.

Your no claims bonus is one of the most effective ways to keep your home insurance premium low, especially once you have built up several years of no claims. Protecting it means being mindful about how and when you claim and making the most of Aviva’s benefits.

Here is how to keep your bonus intact:

Consider handling smaller issues yourself

For incidents costing around the same as your excess, it may be more cost-effective to pay out of pocket rather than submit a claim. 

Keep your policy details handy

Having easy access to renewal documents or your My Aviva account helps you understand how different types of claims could affect your no claims discount. 

Think long term

Your NCD grows more valuable each year up to the five-year maximum so protecting it can lead to meaningful savings over time.