I've just received my car insurance renewal for the coming year - £206, up £7 on the present year. It shows 21 years NCB, though I have never, ever had a claim in my life. The renewal site offers a £20 discount available, if you upload your house policy details so they can try to beat the cost for the next renewal, assuming it is via another company, so I've just done that. There is no chance they can possibly beat the £87 per year I pay for that, but £206 minus £20 makes my car insurance £186 - so it's a win, win