Once we have worked out your premium, we check to see whether you're eligible for discounts. Some are given automatically but you can make yourself eligible for others although there's usually a total maximum discount you can achieve.

Voluntary excess
Depending on the policy, the type of car you drive, or your claims history, you may have a compulsory excess on your insurance. This is the amount you'd have to pay towards a claim. You can get a discount on your premium if you agree to pay a voluntary excess as well. If you have a compulsory excess of £100 and a voluntary excess of £200, you'll have to pay the first £300 of every claim.

No claims discount (NCD)
NCDs reward you for not making claims. For each claim-free year (typically up to around four or five years) you'll receive a discount on your premium. Maximum discounts hover around 65 per cent. A claim will reduce your NCD unless you have built up only one or two claim-free years. In this case, you'll probably lose it altogether.

Security devices
Not all security systems qualify for a discount. Insurers often specify that the device must be tested and approved by Thatcham - an organisation that tests security systems. Many new cars are fitted with Thatcham-tested alarms and immobilisers. But before buying anything, check with us to find out what discounts it offers and for what devices.

Driving courses
Young drivers, who often pay high premiums, can save money by taking a Pass Plus course. You have six training sessions within a year of taking your practical driving test, and when your instructor is happy with your standard of driving, you'll receive a certificate. Some insurers also offer discounts for other driving courses such as the Advanced Driving Test offered by the Institute of Advanced Motorists.

Other discounts
Lancaster Insurance will offer an introductory discount if you haven't had the chance to build up a no claims discount. Also, you can sometimes get money off if you have a particular job, such as a police officer, or are a member of an organisation such as a trades union.