No-claims discount (bonus-malus)
In one sentence
The discount accumulated on your car premium over claim-free years — and its rise after a claim.
What it changes for you
Each claim-free year moves you down a level; one claim moves you up several at once, and you pay for it for years. Hence the useful reflex: for small damage, compare the repair cost with the cumulative premium increase before reporting. The level belongs to you and transfers to a new insurer — ask for the certificate before terminating.