No-Claims Bonus Rules — Across NZ Motor Insurers
How no-claims-bonus schedules and protection work at each NZ insurer.
Last refreshed 2026-05-20
What this topic covers
A no-claims bonus is a discount on your premium for each claim-free year. Most NZ insurers offer "NCB protection" — for an additional premium, your bonus survives one at-fault claim. Schedules and ceilings vary; check the wording.
How each NZ motor insurer handles no-claims bonus
Cells marked "Not on file" mean the verbatim policy-wording fact hasn't been extracted yet — we're currently ingesting NZ motor wordings (Phase B-full). Once landed, each cell will cite the source PDF clause directly. View provider profiles →
| Provider | NCB schedule | NCB protection available | NCB lost on at-fault claim | Max NCB % |
|---|---|---|---|---|
 AA Insurance | Not on file | Not on file | Not on file | Not on file |
 AMI Insurance | Not on file | Not on file | Not on file | Not on file |
 Cove Insurance | Not on file | Not on file | Not on file | Not on file |
 FMG | Not on file | Not on file | Not on file | Not on file |
 Initio | Not on file | Not on file | Not on file | Not on file |
 NZI | Not on file | Not on file | Not on file | Not on file |
 Protecta Insurance | Not on file | Not on file | Not on file | Not on file |
 Star Insure | Not on file | Not on file | Not on file | Not on file |
 State Insurance | Not on file | Not on file | Not on file | Not on file |
 Tower Insurance | Not on file | Not on file | Not on file | Not on file |
 Trade Me Insurance | Not on file | Not on file | Not on file | Not on file |
 Vero Insurance | Not on file | Not on file | Not on file | Not on file |
"Not on file" = the policy-wording PDF for that insurer hasn't been ingested yet, OR the specific fact wasn't extracted from the wording. Authoritative answer is always the source PDF (linked from each provider profile).
Related
Browse other cross-insurer topics: