How Much Does Car Insurance Go Down After 1 Year No Claims?

On average, UK drivers with 1 year of no claims can expect their car insurance to drop by around 10% to 15%, depending on the insurer. It’s the first big step toward building a discount that can grow year-on-year, potentially saving you hundreds over time.

Insurers reward claim-free driving because it shows you’re a lower risk, and 1 year is enough to start seeing real savings.

Susan Difford

Insurance Expert & Co-founder of Clean Green Cars

Updated 16 December 2025 1 Min Read

Does Everyone Get The Same Discount?

Not exactly. Several factors influence how much your premium drops:

Your age and driving experience
Vehicle type and insurance group
Your postcode and driving history
Whether you had named driver experience before

So, while 10–15% is a rough average for 1 year no claims, some drivers, especially younger ones, might see bigger savings as their risk profile improves.

Often between 10–15%, but it can vary. New drivers tend to see more impact as they move out of the highest-risk category.

Yes, your bonus is transferable, as long as you get proof from your previous insurer.

No. Just provide proof of your NCB to the new provider within their timeframe.