A "no claim discount" is a discount given by an insurance company on your insurance premium if you have not made any claims during the policy period. This discount is granted under motor insurance, which means that if you have a motor insurance policy and you do not make any claims for damages or accidents during the policy period, you can enjoy a "no claim discount" when you renew your policy. The discount amount may vary depending on the insurance company and the number of years you have not made any claims. In other words, the longer you go without making a claim, the higher the discount you may receive. This discount is given as an incentive for safe driving and responsible use of your vehicle.