Am I entitled to a No-Claim Discount every year at renewal?

You are only entitled to any No-Claim Discount if you meet the eligibility criteria for it. The policy wording shows how this operates clearly.

We also offer a very special No-Claim Discount Protection option, which also has eligibility criteria, where your No-Claim Discount is NOT reduced if you have an at-fault claim. A small additional premium is required for this very desirable feature.