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How Many Car Insurance Claims Can be Filed in a Year?


Written by Sumit Arora

Updated Sep 21, 2021

There is no restriction on the number of claims you can make under your car insurance policy, irrespective of which car insurance policy you have. Read more here.

Some people believe that there is a limitation on the number of claims that they can make under their car insurance policies. This is why they avoid making any claim in case of an accident or a misfortunate event and end up paying for the expenses incurred, from their own pockets instead. However, as a responsible car insurance policyholder, you must be informed about the coverage benefits so that you can make the most of your policy at the time of requirement. 

How Many Car Insurance Claims Can be Filed in a Year?

Read below to know if there is any restriction on the number of claims that can be made under a car insurance policy or not. 

Is There Any Restriction on the Number of Car Insurance Claims in a Year?

Usually, there is no restriction on the number of claims that you can make under your car insurance policy. But an important thing to remember is that making claims affect your No Claim Bonus. It is a reward that an insurance company provides you in case no claim is made during a policy year, which you may lose if done otherwise. Also, frequent car insurance claims may also increase the premium of your car insurance policy. 

Also, note that there may be some restrictions on the number of claims in some cases, such as Zero Depreciation cover, which may differ from one insurance company to another.

How Many Claims Are Too Many in Car Insurance?

There is no specific answer to this question, as it totally depends on the type of claim and the extent of damage caused to your car. But it is advised that you must not raise a claim if there is minor damage caused to the car like a dent, broken mirror, etc. It is recommended to file a claim only in case of severe damages.

You may also like to read: Tips To Avail No Claim Bonus For A Car Insurance Policy  

What Will Happen If I Make Several Car Insurance Claims?

Read below to understand the consequences of making frequent car insurance claims: 

  • No Claim Bonus: On not making any claim under your car insurance policy, the insurance company offers you a discount on premium for every consecutive claim-free year. You may lose this bonus in case you make a claim. So, it is recommended to make a claim only if the cost of repair is higher than the NCB amount. 
  • Higher premium: If you make several car insurance claims, then your insurance company may increase the premium of your policy as you are posing a higher risk to the insurer. 
  • Zero Depreciation: The insurance company will not consider the depreciation rate at the time of claim settlement, in case you have zero depreciation cover. But there may be certain restrictions on the same.  
  • Deductibles: If the repair cost is lesser than the deductible amount, then then you must not make a claim. This is because you will receive inadequate compensation in this case. 


Although there is no limitation on the number of car insurance claims you can make during the policy term, but you must be mindful when making claims as there are things that you may lose when making several claims. But also, there is no need to pay for expenses from your own pocket, for which your policy covers you. 

You may also like to read: No Claim Bonus in Car Insurance: Know More? 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


Written by Sumit Arora

Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequenRead More

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