Protected no-claims bonus (or no-claims discount) is an optional auto insurance endorsement that allows you to make a specified number of at-fault claims within a set period without losing your accumulated no-claims discount percentage. When you purchase this protection, your baseline insurance discount is "locked in" or safeguarded. If you experience an accident, your insurer still pays out the claim and records the incident, but your premium rate will not suffer the steep penalty-driven spike typically associated with losing your no-claims tier.
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