Will insurance go up if you have protected no claims bonus and have accident in Australia and UK, your no claims bonus discount 20% to 60% will stay same with protected no claims add-on $50 to $100 per year extra, but your base premium may still go up 10% to 30% due to claim and risk, with protected bonus protecting discount not base premium, so total premium may increase 10% to 20% $80 to $300 per year despite protected bonus. Protected no claims bonus, costing $50 to $100 per year extra on comprehensive $800 to $1,500, allows 1 to 2 at-fault claims in 3 years without losing no claims bonus discount 20% to 60% saving $160 to $900 per year, so if you have 5 years no claims 50% discount $500 saving on $1,000 base premium = $500 premium, with protection $70 extra = $570 total, and you have 1 at-fault accident $5K claim, with protection you keep 50% discount, so discount protected, but base premium $1,000 may increase 20% due to claim to $1,200 base due to higher risk, so with 50% discount protected, new premium = $1,200 x 50% = $600 plus $70 protection = $670 versus $570 before claim, increase $100 despite protected bonus, without protection discount drops to 30% $1,200 x 30% = $840 premium increase $270, so protection saves $170 but premium still goes up $100 due to base increase. So insurance will go up if you have protected no claims and have accident, discount stays same 50% protected, but base premium goes up 10% to 30% due to claim $100 to $300 increase, so total premium up 10% to 20% $80 to $300, but less than without protection where premium up 20% to 40% $200 to $500 due to discount loss plus base increase.
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