Years	Discount% (zero-claims)			Discount% (one-claim)
	Third-party	Comprehensive		Third-party	Comprehensive
First	10%	15%		0%	0%
Second	20%	25%		0%	0%
Third	30%	35%		10%	15%
Fourth	40%	50%		20%	25%
Fifth \(\ge\)	50%	60%		30%	35%