If you have purchased a protected no-claims bonus endorsement and experience an at-fault accident, your accumulated discount percentage is safeguarded from dropping. The insurance company will still log the incident in your claims history file and pay out any required damages, but your specific discount tier remains locked in rather than resetting to zero. However, while your bonus percentage is protected, your overall policy base rate may still experience a minor upward adjustment due to the recorded at-fault accident surcharge.
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