What exactly is a no-claims bonus? My wife has recently bought a small car and applied for insurance quoting a full no-claims bonus. For the last four years she has been a named driver on my Motability car insurance and prior to that was the main driver and policy holder on various insurance policies since 1996, when I had a serious crash in a company car and was medically retired. She has therefore made "No claims" on any insurance policy, a fact that could be proved by entering her full name and date of birth into the Motor Insurer’s Database.

They have claimed that we are being given a no-claims discount on the Motability car and would not listen to the fact that the amount I pay depends on the car not the driver, which can be proved by the fact that the price quoted for a car is available on the website before you have even given your driving record. They say she cannot claim no-claims discount on two cars at the same time, which she is not doing obviously. She is therefore having to pay full price for her insurance.