Are the insures allowed to keep you no claimed bonus?

Yes, insurers are generally allowed to keep your no-claims bonus if you make a claim during your policy term. The no-claims bonus is a reward for not filing claims, and if you do file one, it may reduce or eliminate this discount upon renewal. However, policies vary by insurer, so it's essential to review the terms of your specific policy for details on how claims affect your no-claims bonus.