Is it worth paying more for protected No Claims?

Is it worth paying a higher insurance premium on my Volkswagen Up to protect 15 years of No Claims Discount?

Asked on 27 March 2018 by Simon-Cheshire

Answered by Honest John

You have to look at what risk you present and the likelyhood of you being involved in an incident. If you commute in a busy city centre or live in an area where rates of theft and vandalism are high, then definitely get protected NCD. If you have a low insurance group vehicle - like you do - live in a rural area, do not commute and are a very experienced driver, then it probably isn't worth protecting.

Tags: insurance commuting ncd no claims bonus

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