Do I lose my no claims if they are protected?

Do you lose no claims if they are protected in Australia and UK, no you do not lose protected no claims bonus if you have 1 to 2 at-fault accidents in 3 years with protected no claims bonus add-on $50 to $100 per year extra, which allows 1 to 2 claims in 3 years without losing discount 20% to 60% saving $160 to $900 per year, but you do lose protected no claims if you have 3+ claims in 3 years or serious offence, with protection costing $50 to $100 per year extra on comprehensive $800 to $1,500 per year. Protected no claims, also called protected NCD, protects your no claims bonus discount 20% to 60% if you have accident, for example 5 years no claims 50% discount $500 saving on $1,000 base premium = $500 premium, with protection $70 extra = $570 total, you have 1 at-fault accident $5K claim, with protected bonus you keep 50% discount next renewal $500 premium plus $70 protection = $570, without protection discount drops to 30% $700 premium losing $200 saving. If you have 2 claims in 3 years with protected bonus, you still keep 50% discount, but if you have 3+ at-fault claims in 3 years, you lose protected bonus and discount drops from 50% to 20% or 0%, premium increases from $500 to $800 or $1,000, losing $300 to $500 saving per year. Also if you have serious offence like drink driving, dangerous driving, insurer may remove protection. So with protected no claims $50 to $100 per year extra, you do not lose no claims if you have 1 to 2 accidents in 3 years, you keep discount 20% to 60%, but you lose it if 3+ claims in 3 years, so protection worth it if you have high bonus 50% to 60% discount $400 to $900 saving.