TLDR: Anyone with more than 5 years of NCD must avoid them. 10 years ago I would say they were the best, but now I find them to be at the bottom of the barrel with other cheap insurances. Quick story. I had +12 years of no claims. Direct Line only accepts up to 5. This means that if you have an accident they will deduct 2 years from...5! So after raising a claim this year I was immediatelly downgraded from +12 years of NCD to 3 years! Doesn't sound right, does it?!?!?! As the claim is still open I simply cannot go anywhere else because my +12 years is now 3... AAAAAnd from what I can see, after they win the court case (I have dash cam to prove I was not at fault), and I already won separate court case, I will be set back to 5 years of no claim only! If this is not a scam, then I don't know what is. !!! AVOID AVOID AVOID !!!