22+ hour, 33+ min ago (330+ words) Experienced drivers are at risk of losing valuable years of no-claims discount (NCD) through no fault of their own, due to a growing practice across the insurance industry that artificially limits the information provided in renewal documents. In simple terms, insurers award a percentage discount based on years of claim-free driving, but those are two distinct measures. The discount may stop increasing after a certain point, but the number of claim-free years shouldn't. To understand how widespread this issue is, we contacted a range of insurers to ask how they document long-standing NCD. Their responses, as well as publicly available information, reveal a patchwork of practices: The Financial Ombudsman Service (FOS) has published clear guidance on the matter, stating: "If a customer has a higher no-claims bonus than you'll accept, we'd still expect you to provide proof of the amount…...