You may not know this, but your choice of insurer can seriously damage your no claims discount (NCD) entitlement. And that could be the case even if you never have an accident or never make a claim. Say you’d built up 15 years’ NCD with Aviva, for instance, but then you switched to Admiral at renewal after identifying a saving when shopping around at MoneySuperMarket. Your NCD entitlement would be slashed to just six years at your next renewal, even if you’d had a year of accident and claim-free driving. This is because each car insurance provider only gives you proof of NCD for the maximum number of years it recognises – there is no industry standard. So while Aviva acknowledges up to 15 years’ claim-free driving, Admiral recognises just six. And it would get worse if you made a claim – you’d see your NCD cut by a further two years, meaning that 15 years could drop to just four.