Have your insurer informed you that they will definitely never raise a premium based on claims as long as your protected NCD is in place then?
Or have you ignored this part of my post:
"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?"
And just assumed this to be the case?
If the former, I'd be delighted to know who your insurer is for future use. But until you confirm otherwise I'm going to assume the latter.
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