Should I protect my no claims bonus

If you have at least 4 years no claims bonus, you may be able to pay an extra amount to protect your entitlement in the event of claim following a fault or non recoverable claim. This means that within a certain period (2 years with most insurers) you can make a specified number of claims (3 with most insurers) without your no claims bonus being affected. Insurers may still apply a premium load for claims experience but your no claims discount will remain intact.