Over in the UK, one gets insurance discount the more no claim bonus years one has, up to a maximum of 6 years I believe.
So, if you have not made an insurance claim in 6 years, then you will get the maximum discount on your insurance premium.
Hence, newly qualified drivers have hefty insurance premium.
Nowadays, one can have his/hers no claim bonus "protected" by paying a small premium (need to build it up to 3 or 4 years first I believe). Once it is protected, you can make x number of claims within a set period without loosing your no claim bonus.
Hope this helps. If I am wrong, I am sure the likes of smiffy (who works in insurance) will put me right
DK
