No claims discount is an extremely valuable means of reducing your car insurance premiums, with UK policyholders gathering further reductions with each claim-free year they gather. If you have only hitherto been included on someone else’s policy as a named driver, you might find yourself unable to benefit from the advantages of the no claims discount, even though you may have a claim-free record. As it is only the policyholder who can rack up the years of claim-free history, drivers who might have been covered on their partner’s policy could find themselves at a disadvantage. For these reasons if you want to reap the benefits of your good driving history it is important to start up an individual policy suited to your personal needs. Remember that as a UK female driver you can already benefit from discounted premiums so think about the extra you can get as a result of building up your own no claims discount.

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