You may qualify for a no claims discount from your car insurance provider if you have been driving for a year or more and haven't made a claim. However its4me car insurance online companies can be different about how much discount they will offer over future years, sometimes offering different discount rates as a full no claims bonus.
Making a claim will not automatically lose all your no claims bonus. Most insurers will relegate you only two years meaning if you had 5 years no claims then you would still have 3 years.
Until your insurance company issues you with a cover note or a new policy then your car is not insured. That does not mean you need to have recieved your cover note. Many comapnies, give you instant cover, where the agreement is there imediatly.
One way to get lower car insurance is to buy a car that belongs to one of the lower insurance groups. These are norammly vehicles with a lower engine size and basic equipment and cheaper to repair in the case of an accident.
