A rating is a risk assessment based on how often you claim on insurance. In most cases, your rating will start at 6 and decrease with each year you haven’t made a claim. Rating 1 means you haven’t claimed for over 5 years and are often eligible for a no-claim bonus. No rating is a provisional rating, attracting a higher price due to bigger risk. It's important to consider whether seeking out a policy with a no-claim bonus is worth it before buying your insurance.