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Change the application of No Claims Bonus (NCB) from a vehicle to an individual.

Submitted on Tuesday 11th July 2023

Rejected on Wednesday 19th July 2023

Current status: Rejected

Rejection code: irrelevant (see below for details)

Petition Action

Change the application of No Claims Bonus (NCB) from a vehicle to an individual.

Petition Details

To make it the case that earned NCB is applied to all vehicles of the same type insured by a proposer rather than the current situation were insurers are able to increase premiums on additional vehicles as NCB is tied to a single vehicle.

Additional Information

Premiums are based upon risk, and insurers can charge more for a vehicle that does not have a NCB against it despite the proposer holding a NCB against another vehicle which reflects a lower risk. This means that the insurers are charging for a risk that does not exist which is unfair for the consumer. By allowing a NCB to be earned by an individual which can be applied to all vehicles of the same type the consumer will get a better, and fairer, deal that reflects the risk they present.


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This petition was rejected

The Government e-Petitions Team gave the following reason:

We can only accept petitions about things the Government or Parliament are directly responsible for.

Decisions about whether to offer a no-claims bonus are a matter for individual car insurance companies, not the UK Government or Parliament.

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