What is no-claims discount?

The percentage, maximum years and protection rules vary by insurer. A claim may reduce the discount even if the premium was already rising for unrelated market or risk reasons.

Protected no-claims discount usually protects the discount level after certain claims; it does not freeze the base premium.

When switching insurer, obtain proof of your earned no-claims history if the new company asks for it.

For 'What is no-claims discount?', check the actual policy wording or insurer confirmation rather than assuming another driver's policy works the same way. Cover, disclosure duties and excesses can vary materially between insurers.

Check the current source for 'What is no-claims discount?' before acting if the relevant rule, policy, fee or eligibility has recently changed. Keep any official confirmation or reference number produced by the process because it can help resolve a later query. This note is specific to answer 451.