A no-claims bonus, as the name suggests, is linked with the setting of claims under a specific policy, not to fault. Consequently, a no-claims discount is lost once a claim is registered by a policyholder, whether at fault or not. Nonetheless, if a policyholder is covered with a comprehensive insurance policy and if the insurer is successful in recovering all the costs from the party at fault (or their insurers), then the no-claims bonus difference is refunded to the policyholder.