How many claims can you have with protected no claims bonus in Australia and UK, you can have 1 to 2 at-fault claims in 3 years with protected no claims add-on $50 to $100 per year extra on comprehensive $800 to $1,500 per year, without losing no claims bonus discount 20% to 60% saving $160 to $900 per year, but if you have 3+ claims in 3 years you lose protected bonus and discount drops from 50% to 20% or 0% increasing premium $300 to $500 per year. Protected no claims bonus, also called protected NCD, costs $50 to $100 per year extra, protects discount 20% to 60% 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 base premium = $500 premium, with protection $70 extra = $570 total, you have 1 at-fault accident $5K claim, with protection you keep 50% discount next year $500 premium plus $70 = $570, without protection discount drops to 30% $700 premium losing $200 saving. If you have 2 at-fault claims in 3 years $5K each total $10K, with protection you still keep 50% discount $500 premium, without protection discount drops to 0% $1,000 premium losing $500 saving. If you have 3+ at-fault claims in 3 years $15K total, you lose protected bonus even with protection, discount drops from 50% to 20% or 0%, premium increases from $500 to $800 or $1,000, losing $300 to $500 saving per year. Some insurers allow 2 claims in 3 years, some allow 1 claim in 1 year and 2 claims in 3 years, with protection limit typically 2 claims in 3 years. So you can have 1 to 2 claims with protected no claims without losing bonus discount 20% to 60%, but 3+ claims you lose protection and bonus drops.
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