Building up a No Claims Bonus or discount is the best way to bring down your insurance premium. Gradually, the size of your discount grows each year up to the maximum level set by your insurer. Sometimes it can take as long as nine years to build up the maximum no claims discount, which may or may not include a certain degree of protection for your discount against claims of a certain nature.

Whenever a claim is made under a motorbike policy, the discount will always be affected unless your insurance company can recover its costs from another party. Without no claims bonus protection, the discount is usually reduced by two steps after a claim.

If your insurer can make a full recovery or is only stopped from doing so by a knock-for-knock agreement, your no claim discount may not be affected. Similarly, if you recover all your uninsured losses (such as accidental damage excess) then your discount may not be affected.

Sometimes your no claim discount will be reduced at policy renewal time if a claim is expected to come in, or is still waiting to be settled. The discount may be reinstated if your insurer subsequently doesn't have to pay out under the policy