No-claims bonus or NCB is a term commonly used in the insurance industry, referring to a discount awarded to policyholders for not making any claims on their policy. Some synonyms for this term include safe driver discount, accident-free discount or claim-free discount. These phrases reflect the concept behind the NCB, which is that policyholders who do not make any claims are considered safer drivers and therefore less likely to be involved in accidents or incur losses. Other terms used to describe this discount include good driver discount, loyalty discount, or no-accident discount, each emphasizing the positive traits of the policyholder and incentivizing safe driving practices.