p>A no-claim discount or bonus is a discount that’s offered on your comprehensive car insurance premium based on your claims history and length of time driving (experience). It’s basically a reward for good driving. You generally start at Rating 6 (the lowest discount) and it goes down by 1 each year you don’t claim, until you reach Rating 1 (the maximum discount) after approximately 5 years of no claims. This discount is calculated on both your years of driving experience, your claims record, and sometimes other criteria from your insurer. It can be a good idea to check what type of discount is available on a policy, as some insurers may also take into account your no-claim bonus from another insurer if you’re switching to them. Keep in mind that making a claim even if you’re not at fault can impact your no-claim status but this depends on your insurer. </p