I had 60% protected NCD on my metal box. Had a slight shunt and when it came time for the policy to be renewed the premium had gone thru` the roof!
I contacted the insurers to question as to why my premium had gone thru` the roof when I had a 60% protected NCD and was told that it was still protected but it was there policy to increase the premium so as to recover the costs of repars to my car!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I asked what the point of a protected NCD was for and was told no use at all.
