as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
why do only motor insurers employ no claims discounts?
user
some people are better drivers than others.  a collision can happen to anybody, even good drivers. the collision might not be your fault at all; it might be entirely the fault of the other party. however, the best drivers do a better job of avoiding collisions in situations where the other drivers on the road are doing the wrong things.  the "no claims discount" is a way to identify and reward those good drivers, as they have a lower likelihood of claims in the future.
assistant