A van insurance no-claims discount (NCD) usually builds for each claim-free year, potentially reducing the renewal price offered by an insurer. Whether your car NCD can be transferred depends on the provider, as some accept private-car driving history while others require commercial van insurance evidence. You may need a renewal notice or claims-history letter, and discounts can differ between insurers. Protecting your NCD may limit the effect of some claims, but it does not necessarily prevent the premium from increasing, so check the policy terms carefully.