Home and car insurance companies

You know about the standard no-claims discount.
Insure your partner or spouse on your car and reduce your premium by up to 12.5%
Declare that your spouse or partner has a car insured in his or her own name, or has the use of a company car full-time, and you can qualify for a discount of around 20%.
Even if you don't have the full five years' no-claims bonus in your own name, your previous experience as a named driver on another policy will stand to you. It could save you 10% for each additional qualifying year up to the maximum of five years.

Home insurance is necessary to protect not just your belongings, but also your physical home. While no amount of money can replace pictures of your children, the coffee table you bought when you first got married, or the energy that you put into making your house a home, home insurance exists so that when you start over from a theft or storm or fire, that you don't have to go into your own pocket to begin anew.
"Contents" is basically anything that would fall out of your home if you turned it upside down and shook it. If you own a lot of expensive things, it's best to a) get higher contents insurance and b) video tape your belongings to prove to adjusters what you own in case you ever need a claim for your home insurance.