You may have a "Zero No Claims Bonus" if you are an ex-company car driver or a named driver on someone else's policy but some insurers like Direct Line will offer a no claims discount under certain conditions.

A typical condition for named drivers earning a no claims bonus could be that the offer is only available to named drivers taking out a new policy within the same company.

If you make a claim deemed to be your fault most insurers will typicaly deduct 2 years of no claims, so if you had 5 years no claims discount it will be reduced to 3 years no claims discout. Below is the typical discount offered by car insurance companies for no claims;

• 1 year no claims - 30% discount
• 2 years no claims - 40% discount
• 3 years no claims bonus - 50% discount
• 4 years no claims bonus - 60% discount
• 5 years or more no claims bonus - 65-75% discount