No Claims Discount
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No claims discount is one of the key ways of reducing your car insurance premiums. Each consecutive year which you do not claim on your insurance contributes to your no claims. Driving safely and abiding by the Highway Code can help you avoid making unnecessary claims.
After your car insurance company has calculated the total amount for your premium, it will be reduced by a particular percentage according to how many years of no claims discount you have stacked up. This discount usually ranges from anything between 30% and 60%, and will reduce your costs significantly. Many companies today will allow you, for a small additional fee, a protected no claims discount. Schemes such as this will allow you a number of claims before your no claims discount is affected, and can offer a valuable safety net.
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