>> I have a protected NCD which allows me to make up to three claims in
>> the three year period up to the renewal date without penalty.
>>
No you don't. You have protected NCD which allows you to make up to three claims in the three year period up to the renewal date without losing your NCD.
It doesn't allow you to answer 'no' to the 'have you made any claims' question, and therefore doesn't stop them charging you more.
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