Having a no claims discount built up over a number of years signals to insurers that the driver is careful and can help keep costly premiums down. But with motorists switching insurers annually, it can be difficult to keep track of driving history - inaccurate information could invalidate the policy.
Some UK insurers will not offer further discounts after nine years of no claims. Motorists need to consider this when switching providers and understand individual insurance stipulations to avoid policy invalidation.
Drivers are often unaware that certain changes, like becoming a named driver instead of the main driver or long gaps in driving, can invalidate protection and wipe clean the no claims discount.
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