A no claims discount (NCD) can reduce the price quoted by some car insurers when you have completed claim-free years, although the saving varies between providers and policies. Insurers may ask for proof of your NCD, such as renewal documents or a letter from your previous insurer, and usually only count claims-free driving in your own name. You can sometimes pay to protect your discount, but protected NCD does not necessarily prevent your overall premium from rising after a claim. Compare quotes carefully and check each insurer’s rules before buying.