A standard courtesy

No-claims discounts are a standard part of any motor insurance policy, but should the same practice be extended to household insurance? Robert O'May urges insurance firms to adapt to current customer expectations and make a change for the better

While there are varying qualities of car insurance, customers have come to expect that their motor policies will include a no-claims discount as standard - this practice is simply part and parcel of the service provided by motor insurers.

Nowadays, motorists will not tolerate a car insurer that does not enable them to earn claim-free years to achieve a discount, or recognise the time built up with a previous insurance provider. However, in a market where customers are not afraid to shop around on

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