>> 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.
I hope for your sake that that is true but many on here have found out otherwise.
The percentage NCD will be protected but the basic premium to which that percentage is applied will usually rise.
Last year I was hit from behind while stationary at a pedestrian crossing. Damage was minimal and I decided not to claim so as not to use up one of the "lives" of my protected NCD.
However come renewal time the Insurance company wanted 40% more because I had been involved in an "incident" despite there being no blame attributed to me or cost to the insurance company.
I was rather disappointed by this but the comparison sites showed that this was a common, if not universal, response.
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