Pretty much all countries have the no claim bonus for driving. (It's in the earliest actuarial exams.) You can clock up several years of no claims bonuses, and

Pretty much all countries have the no claim bonus for driving. (It's in the earliest actuarial exams.) You can clock up several years of no claims bonuses, and the discount increases with each year. Interestingly, the no claims bonus can be insured. Now, generally only risk averse people will insure their no claims bonus - and these people also tend to drive more risk aversely and hence have less accidents (or perhaps less likely to make claims - who the hell knows). So, the very fact that somebody wanted to insure their no claims bonus should in theory give them a discount on their premiums. But you cannot offer a discount for an extra feature! This means you have to dive into your generalized linear model and fiddle with a couple of parameters to make sure there is some sort of nominal charge for the insurance on the no claims bonus.