Protected No-claim Bonus
An insurer may offer you a protected maximum no-claim bonus in one of two ways. They may reward you for holding a maximum no-claim bonus by allowing you to make one ‘at fault’ claim in the insurance period without it affecting your no-claim bonus. Some insurers allow you to pay additional premium to “protect” your maximum no-claim bonus from one ‘at fault’ claim in the insurance period. Some insurers allow you to protect your ordinary no-claim bonus ie it doesn't have to be a maximum no-claim bonus.