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No-claims discount builds roughly 8 percentage points a year to a cap near 60%. A claim typically steps the entitlement back two years, so the real cost of a small claim is several years of higher premiums — often more than the claim was worth.
No-claims discount
discount from the years scale; a claim steps entitlement back about two years unless protected
It costs 5-10% of premium and preserves the discount after a claim. Worth it once the discount is large and the premium high.
No. Protection preserves the discount percentage, but the underlying base premium can still be increased after a claim.