To reduce your chances of being involved in an accident as well as avoiding penalty points and convictions, make sure you are driving safely and sensibly and within the speed limits. Any points or convictions will increase your insurance premium, possibly to the point where it is completely unaffordable. Stay accident and claims free for the first year and when you renew your insurance, you’ll be eligible for a ‘No Claims Discount/Bonus’. If you continue to drive safely for up to five years, you’ll earn a maximum No Claims Discount, all the time, bringing your premiums down to a more affordable level.