Yes, you are still legally and contractually obligated to declare any accident, loss, or insurance claim to your insurance provider, even if you have purchased a protected no-claims bonus add-on. Protecting your bonus shields you from the severe financial penalty of losing your accumulated discount percentage following an at-fault incident, but it does not exempt you from transparently reporting the event. Failing to disclose a claim constitutes misrepresentation, which can lead to policy cancellation, invalidated coverage, or future claim denials.
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