What happens when you lose your no-claim bonus?

What happens when you lose no-claim bonus in Australia and UK, you lose discount 20% to 60% saving $160 to $900 per year on comprehensive $800 to $1,500 per year, with premium increasing 20% to 100% $160 to $900 per year, and it takes 3 to 5 years claim-free to rebuild bonus to 50% to 60% max, with 1 at-fault claim $5K to $20K dropping bonus from 5 years 50% to 2 years 30% or 0 years 0%. When you lose no-claim bonus due to at-fault accident $5K to $20K claim, your no-claims bonus discount 20% to 60% is reduced or lost, for example 5 years no claims 50% discount $500 premium on $1,000 base, after 1 at-fault claim $5K, bonus drops to 2 years 30% discount $700 premium, increase $200 per year, after 2 at-fault claims in 3 years, bonus drops to 0 years 0% discount $1,000 premium, increase $500 per year. It takes 3 to 5 years claim-free to rebuild bonus to 50% to 60% max, with 1 year claim-free 20% discount, 2 years 30%, 3 years 40%, 5 years 50% to 60%, so after losing bonus you pay higher premium $700 to $1,000 versus $400 to $500 with max bonus for 3 to 5 years until rebuilt, costing extra $300 to $500 per year $900 to $2,500 total over 3 to 5 years. Without protected no-claims add-on $50 to $100 per year extra, 1 claim loses 20% to 30% discount, 2 claims loses 50% to 60% discount, with protected bonus you keep discount for 1 to 2 claims in 3 years, avoiding $200 to $500 premium increase per year. So when you lose no-claim bonus, premium increases 20% to 100% $160 to $900 per year, and takes 3 to 5 years claim-free to rebuild to 50% to 60% max, costing $900 to $2,500 extra over rebuild period, with protected add-on $50 to $100 per year preventing loss for 1 to 2 claims.