If you choose not to pay for a protected no-claims bonus and you subsequently lodge an at-fault insurance claim (or an incident where your insurer cannot recover costs from an at-the-fault third party), your accumulated discount will be stepped back or entirely reset to zero upon your next policy renewal. This sudden loss of your discount tier, combined with an at-fault claim record, results in a sharp, painful increase in your annual insurance premium. To avoid this financial shock, unprotected drivers must maintain an entirely flawless driving record or absorb minor vehicle repairs out of pocket.
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