If no claim is made or pending during the prior year(s), the insured is entitled to a ‘No Claim Bonus’ (NCB) on the ‘Own Damage’ section of the policy, as shown in the table below: Insurance Period% Of NCB On Own Damage Premium The preceding year20% Preceding 2 consecutive years25% Preceding 3 consecutive years35% Preceding 4 consecutive years45% Preceding 5 consecutive years50%