Fine Fourteen - most companies give 30%, 40%, 50% then 60% for the first 4 years and then no increase after that (some do give 1 more year, but I've found that they are more expensive in the first place, so it cancels out). If you have an accident you go back 2 steps (usually) ie, from 60% to 40% or 50% to 30%. I'd be interested to know the percentage discounts you get from your company for anything over 5 years no-claims. In other words, is 9 years any better than 8 years?