Yes, although a no-claims discount can reduce the price, it is only one factor insurers consider. Your age, driving history, vehicle, location, annual mileage, occupation and chosen cover can also affect the premium. To find a suitable policy, compare quotes using accurate information and check whether excesses, telematics or restrictions apply. If you have held a policy elsewhere, ask the insurer whether previous claim-free driving can be recognised, as each provider sets its own rules.