Do you lose protected no claims bonus if you have accident in Australia and UK, no you do not lose protected no claims bonus if you have accident 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%, but you may lose it if you have 3+ claims in 3 years or serious at-fault accident, with protection costing $50 to $100 per year extra on comprehensive $800 to $1,500 per year. Protected no claims bonus, also called protected no claims discount or NCD protection, is add-on $50 to $100 per year extra on comprehensive car insurance $800 to $1,500, which protects your no claims bonus discount 20% to 60% saving $160 to $900 per year if you have accident, allowing 1 to 2 at-fault claims in 3 years without reducing bonus, for example 5 years no claims 50% discount $500 saving on $1,000 premium, with protection $70 extra, you have 1 at-fault accident $5K claim, you keep 50% discount $500 next year instead of dropping to 30% $300 saving $200 loss, so protection saves $200 plus extra claims. If you have 2 claims in 3 years with protected bonus, you still keep discount, but if you have 3+ claims in 3 years, you lose protected bonus and discount drops from 50% to 20% or 0%, increasing premium from $500 to $800 or $1,000. Without protected bonus, 1 at-fault accident drops bonus from 5 years 50% to 3 years 40% or 2 years 30%, increasing premium $100 to $200. So with protected no claims bonus $50 to $100 per year extra, you do not lose protected bonus 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 worth it if you have high no claims 50% to 60% discount $400 to $900 saving.
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