NCB
No Claims Bonus (also called No Claims Discount) is the discount insurers give for each claim-free year — typically up to 60–75% off after five or more years. It’s the single biggest lever on your premium after the car itself. You can usually pay extra to “protect” it, allowing one or two claims without losing the discount — worth considering once you’ve built up several years.
Example
Five claim-free years can halve a £1,200 premium to around £600 with the same insurer and car.