Be rewarded for safe driving

What is No Claims Discount (NCD)?

No Claims Discount (NCD), also known as No Claims Bonus or NCB by other insurers, is a scale used to reward safe drivers with a discount on car insurance premiums.

Your NCD is calculated based on your years of claim-free driving experience. For each year that you don't make a claim, you receive an additional discount on your insurance premiums, up to a maximum of 5 years.

What is Rating 1?

Rating 1 is assigned to drivers who have achieved the maximum NCD discount.

Generally, ratings start at 6, then reduces by one for every consecutive year you don't make a claim, until you reach Rating 1.

The lower your rating, the higher your discount.

How do I know what my rating is?

If you are currently or have previously been insured, your policy should have this detail.

If you have no car insurance history, insurers are likely to look at your driving record to decide on your rating.

Each insurer is different, so speak to them to find out what rating they will give you.

I already have Rating 1. Will this change if I switch policies?

If you already have Rating 1, you can protect this rating by selecting NCD protection when you buy Australia Post's comprehensive car insurance. This entitles you to one car insurance claim for every 12-month period of your policy, or up to 2 claims in 3 years without affecting your Rating 1.

Without NCD protection, your NCD will be reduced by 2 years for every claim and your premiums may increase accordingly.

Your rating or NCD is not affected if you make a claim for window glass only, or if you're involved in a collision where the other driver is entirely at fault.

Before buying any car insurance, make sure you read the Product Disclosure Statement for policy details and any conditions that apply.

  • * This online discount offer only applies to the premium paid for a new Gold Comprehensive car insurance policy initiated on or after 26 March 2015, and purchased online. The discount is taken from the premium that you would pay for a Gold Comprehensive motor vehicle insurance policy when a quote is obtained over the phone. Base rate premiums are subject to change. It does not apply to any renewal offer of insurance or fees (as outlined in the Financial Services Guide (FSG) (316kb)). You will be responsible for all applicable GST and other statutory charges. We reserve the right to shorten or extend the period the discount is offered and vary the amount of the discount.
  • Australian Postal Corporation ABN 28 864 970 579 (AR No. 338646) "APC" is the distributor of Australia Post Comprehensive Car Insurance and acts as an Authorised Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFSL No. 457551) "APS". Because APC or APS don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the FSG and Product Disclosure Statement (PDS) before making a decision to buy this insurance. Auto and General Services ABN 61 003 617 909 (AFSL 241411) "AGS" arranges the insurance on behalf of Auto & General Insurance Company Ltd ABN 42 111 5 86 353 (AFSL No. 285 571) "AGIC", the issuer of the policy. AGS pays APC a commission which is a percentage of your premium. Neither APC nor APS accept liability or guarantee payment of any claim or benefit in respect of the AGIC's products.