How Many Times Can Car Insurance Be Claimed?

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AJ 11.02.2026 5 mins

Did your car get into another fender-bender, and are you stressed about raising multiple car insurance claims? Well, you are not alone in this dilemma. While your car insurance permits multiple claims in a policy year, it comes with certain limitations. Frequent claims in a policy year can affect the premium upon renewal, decrease the no claim bonus, and more.

But worry not. This guide will help you understand the safe number of car insurance claims you can raise. It also mentions smart tips on protecting the no-claim bonus.

Number of Car Insurance Claims Permissible in a Year

Generally, there are no restrictions on the number of car insurance claims you can raise in a policy year. However, it is important to note that raising multiple claims may affect the policy. It is wise to raise claims only in case of major damage.

Note: In case of zero depreciation car insurance, the number of claims in a policy year may be limited. Typically, 2 claims are allowed per policy year, but the terms and conditions of the insurance policy may vary by insurer. At Generali Central, you may raise up to 2 claims in a year with zero depreciation car insurance.

Effects of Multiple Car Insurance Claims

Here’s how filing multiple claims on your car insurance affects your policy:

1. No Claim Bonus

NCB, or no claim bonus, is the reward offered to policyholders for a claim-free year. You can get up to 50% off the upcoming premium. However, when you raise a claim, the NCB becomes zero.

Tip: Car insurance add-on covers, such as the NCB Protect, let you raise claims in a policy year without having to lose the NCB.

2. Insurance Premium

When multiple car insurance claims are raised, the insurance provider may increase the policy premium. Upon renewal, you may see a premium difference. This, however, depends on the insurance company's terms.

3. Deductibles

Typically, car insurance includes deductibles. It is the policyholder’s share when a claim is raised. So, raising a claim also means you have to pay the deductible.

4. Car's Resale Value

A car's resale value depends on multiple factors like age, condition, total kilometres run, etc. Multiple car insurance claims mean the vehicle has undergone several repairs. Thus, it may also reduce the car's resale value.

To Conclude :

A car insurance policy is the financial protection for your vehicle against inevitable mishaps. Filing claims ensures you receive financial coverage for repairs or losses. It is crucial to understand that filing multiple claims on car insurance can affect the premium. It is often recommended not to raise small claims, as they can bring down your NCB and increase your premium. So, carefully weigh the pros and cons before raising a claim.

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