Mirrored No Claims Bonus

You can only use a set of no claims bonus on one policy at a time. Some insurers will allow an additional discount to recognise that the customer has no claims bonus, but it is in use elsewhere – this is called Mirrored No Claim Bonus. To validate the discount given for mirrored no claims bonus we request a copy of their alternate insurance schedule. We need evidence that the customer does have the number of years they declared to be in use elsewhere and this is usually displayed on the schedule. If it’s not showing you’d need to call the insurer for verbal confirmation and complete an INFO.AUD on CDL. So to clarify, with the paper proof of mirrored no claims bonus we should check and note detail of:

If you can’t answer all of the above with the paper proof then call the insurer to complete the mirrored NCB audit.