So I already had another car and had to buy a second one. I filled out all the details for the insurance proposal including the answer to the question "what no claims discount do you have", which was over 7 years. Only now I already have the policy do I get told that no claims discounts attach to cars, not drivers (?!). OneCall will adjust the policy for me (thanks very much) and there's no actual adjustment to the amount to be paid for the policy but OneCall still stiff me for an additional administration fee (on top of the one I have already paid) of £39.