If you are high risk, i.e. you commute a lot or live in a high risk area (meaning the chance of claiming is high), then protecting your no claims is a wise thing to do. If you are low risk then it may not benefit you to protect your no claims. You do not have 15 years NCD, maximum no claims is generally generated at six years, some insurers give seven years and a little more discount. With your current history, it would drop from full no claims down to 60 per cent - in general ( some insurers differ) - which would be approximately four years no claims bonus.