My understanding of discrimination in the EU coomon market is: if a driver has 3 years NCB from UK and another have 3 Years NCB in Germany if insurer give discount to one driver but do not discount the other -- this is discrimination -- the insurance companies activates in a common market and therefore it should be equivalent. At the moment I have a similar issue with some UK insurers: I have an EU driving licence, and eventhough there are no valid reasons some insurars do not provide me with a quote (as I do not have an UK driving licence). Anyway, I am reaserching right not, and as far as I could get, for my case is that they are faulting EU laws, by indirect discrimination (I sought legal advice from EU commions on this issue) you can contact the EU commision to ask for your own case, but in my opinion if they fail to aknologe your NCB they are discriminating hope this helps