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Make The Most Of Your No Claims Bonus
For many years, the no claims bonus was seriously underrated and ignored when it came to car insurance. This was in the era in which everyone would simply renew their insurance with their existing company without getting quotes, regardless of how much money they could have saved by switching.
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However, with the change in societal attitudes these days, the majority of people are now visiting search and compare websites in order to get the best and cheapest deal possible. As a result, the no claims bonus has become an important tool in the fight against expensive insurance.
You have a no claims bonus if you have not made a claim on your car insurance for a year or more. This indicates to the insurance company that you have not had an accident in that time or, if you have, you have covered the cost of the repairs yourself. Either way, it is not costing them money and thus they actually reward you! A no claims bonus is a reward because it may lower your premium by a significant percentage.
Insurance companies will ask if you have a no claims bonus from your previous insurer when you switch to them. More and more companies are offering to reward a no claims bonus, although some do insist on you having a certain amount of years no claims bonus under your belt. These are often specialist insurers that offer significantly lower premiums then their competitors to individuals that they believe to be safe drivers.
Certain factors can cancel out the benefits of your no claims bonus because they indicate that you may not be a safe driver despite the fact that you have not had an accident. Having points on your license may be one of those factors, especially if those points are for an offence like speeding or because your car was found to be unsafe in some way. For your no claims bonus to mean something you have to have a clean license and exemplary behaviour and then you can begin to cash in on the car insurance savings!
Visit www.aph.org.uk and let us help you get cheaper car insurance by making the most of your no claims bonus. | 
