Sometimes incorrectly known as a Claim Free Group (CFG), the No Claims Bonus (NCB) is a discount allowed off comprehensive motor premiums, and is used to 'reward' the insured for a period of claims free driving. The difference between a CFG and a NCB is in the system of allowing the discount. Whilst the CFG is expressed as a separate section of the tables, a NCB is usually a percentage discount allowed and is often used in Commercial Vehicle rating calculations.