4 Years No Claims Discount
A driver with 4 years no claims discount should find they can save money on their car insurance since it indicates they have not had an accident during that time.
Most car insurance companies will be very happy to take on a person with 4 years no claims discount, since it should statistically mean they have to pay out less money. The upshot of this is that they take a lower premium. It is sensible to shop around and compare different car insurance companies to see which ones will quote the lowest premium.
Most insurers offer their maximum price reductions to drivers with 4 years no claims discount or more, with the 4 years being seen as the point at which the maximum discount is available.