This is a discount you earn for not making a claim under your policy. As long as you do not make a claim it increases annually until it reaches a maximum percentage. It is important to note that even if you are not at fault in an accident, once you have made a claim, your discount will be reduced. It will be reinstated if we recover our expenditure. Accident free driving is the best way to keep your premiums at a reasonable level. Your No Claim Discount is not transferable to another person. However, you can transfer it from one of your vehicles to another one owned.