This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more
Go compare with our comparison table

Car insurance claims prevented by no-claims bonus fears

26 August 2009 / by Rachael Stiles

A fear of losing the no claims bonus on a car insurance policy is enough to put off more than a third of drivers from making a claim, research from has found.

The price comparison website’s study found that motorists perceive making a car insurance claim as resulting in higher premiums, whilst also entailing the loss of their no claims bonus, making car insurance altogether a more expensive business.

In fact, 38 per cent of motorists are so concerned about pushing up the cost of their car insurance, that they will resist making a claim.

And, says that when a no claims bonus can knock 50 per cent or more off the cost of car insurance, this can be a shrewd move if the cost of the excess and the loss of the no claims bonus work out to be more expensive that the cost of repairs.

The research also found that there is a significant age gap between those who are more likely to claim and those who would pick up the bill themselves to avoid losing their no claims bonus.

With young drivers already facing considerably more expensive car insurance premiums than their more experienced counterparts, they are much more likely to avoid making a claim, with 66 per cent of those aged 18-24 admitting that they fall into this category.

Conversely, the over 55s are more inclined to make use of their car insurance, regardless of the affect it could have on their premiums, with 65 per cent saying that they would make a claim if the cost of the repairs was greater than the excess. explains that when there is no third party involved in an accident and the onus is on the policyholder to use their insurance or pay for the damage themselves, those facing expensive repairs or the cost of replacing the vehicle should make use of having car insurance in place, but when the cost of the damage is minimal or not significantly more than the excess, the driver should consider paying for it themselves.

Will Thomas, head of car insurance, said that whilst it is important to weigh up the benefits of making a claim and the potential impact on premiums, people should not be deterred from making a claim when they need to.

“The no claims bonus is useful when it comes to getting a reasonable quote and is easily transferrable from insurance provider to insurance provider, but there are other ways of driving the cost down in the event that claiming is unavoidable,” he said. “By shopping around for the best policy, taking into account what excess can be afforded and what benefits would be required, including the option to protect no claims, drivers can make sure they are getting the most suitable policy at the best possible price.”

Compare car insurance quotes»

© Fair Investment Company Ltd

ProviderSpecial OffersGet Quotes

5 Star car insurance from £185 – That’s all 10% paid for our standard cover* .
You could save up to 20% online - 36% of customers are expected to receive the maximum saving**

Get Quotes >
Our Guaranteed Hire Car cover comes as standard with our comprehensive motor insurance.

Underwritten by U K Insurance Limited

Get Quotes >

99% of customers would buy again from LV= - Reevoo

Benefits include UK call centres, 24/7 claims helpline, unlimited cover for factory fitted phone, audio and sat nav equipment, replacement child car seats, and European car insurance cover. Tailor the cover to suit you with optional extras, such as Motor Legal Expenses, Guaranteed Hire Car, increased Personal Accident cover and Breakdown cover.

Get Quotes >

Don’t get caught out when you break down. Churchill offers free breakdown service to new Motor customers
First year Breakdown service (roadside only), provided by Green Flag, new policies only. Breakdown chargeable at renewal. Underwritten by U K Insurance Limited. Terms & conditions apply

Get Quotes >

Save 15% Online††
No claims discount up to 75%.

Get Quotes >

Comprehensive cover available from just £180 a year***.
Defaqto 5 Star Rated Comprehensive Cover, you'll benefit from the following as standard: Uninsured driver cover, Vandalism cover, Guaranteed replacement car, Emergency any driver cover, Cover for driving in the European Union for an unlimited period.

Get Quotes >
New customers can get 12 months' breakdown cover for the price of 6 when they buy AA Car Insurance. You also get access to member benefits, including up to 20% off at Moto service areas. Get Quotes >

Get Comprehensive Car Insurance Quotes Online.

Get Quotes >
Free Annual Roadside Assistance and Recovery Breakdown Cover worth £49.
Over 50s save at least £50.
Get Quotes >
With lots more cover now included as standard, AXA car insurance offers you extra reassurance on the road.
If your car’s hit by an uninsured driver, you’ll keep your no claims discount and get back your excess with AXA’s uninsured driver promise* – only with our comprehensive car insurance (*We will return any No Claims Discount and Excess if you are not to blame – you will need to provide the make, model and reg number of the other car. T&Cs apply.)
Get Quotes > compare prices from over 130 motor insurance providers to find you their best dealGet Quotes >
Save up to £230 on your car insurance (51% of consumers could achieve a saving of up to £229.96 with car insurance based on a comparison of at least 40 companies)Get Quotes >