NCB in auto insurance stands for No Claim Bonus, a discount granted to drivers who have completed a period without filing a claim. On Amazon's insurance marketplace, the NCB amount reduces the premium you pay for a new policy, and you can transfer or purchase additional years if you switch insurers.
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How the No Claim Bonus Is Calculated
The bonus increases each claim‑free year, typically ranging from 20% to 50% of the base premium. The exact percentage depends on the insurer's schedule and the total number of years you have accumulated.
Transferring or Buying NCB on Amazon
When you purchase an auto policy on Amazon, you can either transfer your existing NCB from a previous insurer or buy additional NCB years if you have a clean record but no prior NCB. Amazon's platform prompts you to enter your NCB history during the quote process.
Eligibility and Documentation
To claim NCB, you must provide a loss‑free certificate from your former insurer, showing the number of claim‑free years. If you're buying NCB, you'll need proof of continuous coverage, such as policy documents, to demonstrate eligibility.
Impact on Premiums
Applying NCB directly lowers the quoted premium. For example, a driver with a 30% NCB will see that percentage deducted from the base rate before taxes and fees are added.
Common Pitfalls
Be aware that filing a claim—even a minor one—can reset or reduce your NCB. Also, some insurers cap the maximum NCB at 45% or 50%, so purchasing additional years may not always yield a proportional discount.