Having a protected No Claims Discount (often called a protected no-claims bonus) is an optional insurance endorsement that allows you to make a specified number of at-fault claims within a set period without losing your accumulated insurance discount tier. Normally, lodging an at-fault claim causes your insurance company to penalize you by stepping back your discount and increasing your baseline premium. With a protected bonus, your earned discount level is artificially shielded from dropping after an accident, though your overall policy premium may still fluctuate due to general market inflation, rising repair costs, or broad underwriting adjustments.
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