What is No Claim Certificate: Its Benefits and Who Gets It?

A No Claim Bonus (NCB) is a valuable reward offered to drivers in the UAE who maintain a claim-free car insurance history. It’s a discount applied to your premium when you don’t file any claims during your policy term, promoting safe and responsible driving.read more

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Written ByNupur JainSenior Content Writer (Expertise - Motor Insurance)

Reviewed ByToshita Chauhan BalochiChief Business Officer – General Insurance @ Policybazaar.ae

Last updated on 22 January 2026Editorial Standards

Whether you’re renewing your existing policy or switching to a new provider, your NCB can help you save significantly. In the UAE, where car insurance costs can fluctuate greatly, taking advantage of your NCB is a smart way to reduce expenses and protect your driving record.

What exactly is NCB in Motor Insurance?

A No Claims Bonus (NCB) is a reward given to drivers who go a full year or more without making any insurance claims. For each claim-free year, insurers usually offer a discount on your car insurance(تأمين السيارات) premium. The more years you drive without a claim, the bigger the discount you can receive- typically ranging from 10% to 20% or more. It’s a way insurers reward safe and responsible drivers by helping them save money.

This discount, also called a No Claim Discount (NCD), can significantly lower your insurance costs. Whether you renew with your current insurer or switch to a new one, your NCD helps you get better rates.To take advantage of this benefit, you’ll need a No Claim Certificate from your current insurer. This document serves as proof of your clean driving record, but getting this certificate can take time and involve extra paperwork, which may delay the process or discourage switching providers.

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Benefits of No Claim Bonus in Car Insurance in UAE

No Claims Bonus (NCB) in car insurance offers several advantages for policyholders —

Lower Premiums – You can save between 10% to 30% on your insurance premium if you don’t make any claims during the policy period. This is especially helpful for those looking to reduce yearly insurance costs
Encourages Safe Driving – Since NCB rewards claim-free years, it motivates drivers to be more careful, helping reduce accidents, thefts, and other mishaps. This benefits both you and the insurance company
Stays with You, Not the Car – NCB is given to the person, not the vehicle. Even if you sell your car and buy a new one, you can still carry forward your discount to the new policy, as long as you haven’t made a claim

How Does No Claim Bonus Work in the UAE?

Accessing this bonus involves different steps based on whether you renew your current policy or switch insurers:

Step1- Renewing Your Policy

Renewing your current policy is simple. Your insurer has access to your claim history and can easily verify if you qualify for a no-claim bonus. Make sure to review other factors that affect your premiums, as these can influence your overall insurance cost.

Step2- Switching Insurers

Since the no-claim bonus is tied to the driver, not the car, you can transfer it to a new policy or vehicle. To do this, request an NCB certificate from your previous insurer, which proves your claim-free record. This certificate is accepted by all insurers. If you own multiple cars, you might benefit from multi-car insurance offers.

Step3- NCB Protector

An NCB protector add-on allows you to keep your bonus even after filing a claim. However, this add-on has limitations —

It only covers a limited number of claims
Claims for theft or severe damage may not be covered
You might lose the NCB protector when transferring policies
Possible NCB Discounts

Insurance providers typically offer the following discounts based on your claim history:

10% for no claims in the last year
15% for no claims in the last two years
20% for no claims in the last three years
Additionally, some insurers offer a 10% loyalty discount for renewing with the same company

How to Check No Claim Bonus in Your Policy?

You can only use your no-claim bonus (NCB) discount when renewing your car insurance policy or purchasing a new one. If you're eligible for NCB, you'll need to wait until your current policy term ends to apply for it. To confirm if you're entitled for NCB, here are a few simple ways to check —

Review Your Insurance Policy Document – Your policy document usually includes a section on discounts or bonuses. If you’ve been using an NCB, its details should be listed there
Contact Your Insurance Provider – Reach out to your insurer's customer service team by phone or email. Have your policy number ready so they can check your NCB status quickly
Log into Your Online Insurance Account – If you purchased your policy online, you can log into your account to view your policy details, including your NCB status
Use Insurance Aggregator Websites – If you bought your policy through a site like Policybazaar.ae, log into your account there to easily access and review your NCB and other policy information

Related Links -

Motor Claim Registration Toolkit

How to File Your Car Insurance Claim in the UAE

How to Claim Insurance for Car Accident in Dubai

How Long Does a Car Insurance Claim Take?

Yes, if your policy lapses after the grace period, the no-claim discount expires.

Yes, you can transfer the no-claim bonus when switching insurers. For this, you need to offer evidence of your previous claim-free period.

Yes, however, the percentage and eligibility criteria may vary depending on policy types and insurers.

When you make a claim, your no-claim discount reduces or goes back to zero. This depends on your insurance company’s rules and claim type.

Some insurance companies offer a no-claim bonus protection rider, enabling you to make a limited number of claims while not affecting the discount.