Protected No Claims Discount

This means that you are entitled to make a claim or two without losing any of your no-claims discount and dropping down the scale. Watch out though because not all Insurer’s offerings are the same. Some products allow two claims in a two year period whilst others may be in a three or even five year period. Some schemes say that after you have used your “lives” then you lose all your bonus whilst others allow you to drop two years at a time down the scale.