A van insurance no claims discount (NCD) is a reduction that some insurers apply for each claim-free year, subject to their terms. You may be able to transfer it when changing provider, but insurers can differ in how they recognise previous cover, commercial use, named drivers and gaps between policies. Ask your current insurer for written proof of your NCD and check the new provider’s requirements before buying. If you choose protected NCD, read the policy carefully, as protection may limit how your discount is affected rather than prevent every premium increase.