A mature person gets a 20% discount while a young person gets no discount for their age. Someone who has a low risk address gets a 10% discount whereas a person with a medium risk address gets a 7% discount, and those with high risk addresses get no discount for their address. Those who have made no claims in the last two years receive a 5% discount. All discounts are cumulative. In other words the discounts based on age, location and previous claims are added together. So for example, a mature person living at a low risk address who has made no claims in the last 2 years would receive a 35% discount.