Eesh! You're just being difficult now!
Fine, despite your NCD remaining, your file will still show that you have made a claim, and this too can effect your premium.
A protected NCD does not in any way guarantee that a claim will not have any effect. You may have had an experience where you have made a claim, and the premium did not rise the next year - how do you know that, had you made no claim, it would not have reduced?
The plain facts of the matter are that claims have two effects:
1) Changes to NCD.
2) A note against your file that a claim has been made.
Both of those can effect your premium, and you can only protect against one of them.
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