Churchill - Insurance jargon, Oh No! No-claim discount (or NCD) is a discount applied to your quote based on the number of years in which you haven't made a claim on your
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![Churchill insurance owner Direct Line sees profits double thanks to fewer claims, cost cutting and better customer service | This is Money Churchill insurance owner Direct Line sees profits double thanks to fewer claims, cost cutting and better customer service | This is Money](https://i.dailymail.co.uk/i/pix/2015/08/04/12/022111810000044D-0-image-a-21_1438687686402.jpg)