"Cash-back bonuses serve one primary purpose – to lock you in for the long-term. It is a well-known industry fact that most policyholders lapse their policies within ten years, either because a policyholder can no longer afford the premium, or she has found a better offer," the insurer says.So, while a payout for remaining claim-free can be great, you will need to weigh up how much claiming versus not claiming will cost you. Don't automatically pay for small claims yourself. Also, don't doll out extra cash to protect your discounts or bonus. You should calculate whether it actually saves you money.