Protected no claims bonus
A no claims bonus is a bonus given to those customers that do not make claims on their insurance.If after one year you have no claims, then you should get a discount or a bonus. You may get 30% reduction on the starting rates and it can reach even 60% in time.
But once you make a claim, the bonus will be disallowed. But for minor damages, you can do the repair on your own and protect the no claims bonus. Compare the costs and see if it’s really worth it.
As long as an insurer will recover the costs from a claim, then you should still be eligible for a no claims bonus. For example, if you are involved in an accident, and it’s not your fault, and you have a protected no claims bonus, then your insurance charges should be consistent until the problem is solved.