The no-claims bonus is legally and administratively tied to the primary policyholder named on the insurance contract, rather than secondary or occasional drivers. Because the insurance policy, billing, and risk underwriting contract are established with the main policyholder, the earned discount follows their personal insurance history. If a named secondary driver (such as a teenager or spouse) drives the car and is involved in an at-fault accident, the penalty impacts the primary policyholder's accumulated bonus, as the claim is lodged against their master policy.
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