Protected no-claims discount normally protects the policyholder's position on the insurer's no-claims-discount scale after a permitted number of claims. It does not normally guarantee that the underlying renewal premium will stay the same.

How insurers commonly treat this

• The number of claims allowed before protection is lost is defined by the insurer.
• The base premium can still increase after a claim or because of wider pricing changes.
• Protection and the no-claims discount itself are separate from the insurer's overall premium calculation.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.