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*If you have made a claim or one has been made against you during the period of cover, you will not receive a refund. While that argument will never be settled, here at Direct Line, we try to keep all our drivers’ car insurance premiums as low as possible – regardless of who may be better behind the wheel. Your NCD must be from a valid UK insurer and must not be older than 2 years dollar insurance agency. Your NCD must be expressed in number of years.