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With a full no-claim discount you get up to 60-70% off the rate that someone with no claims experience to draw on would have to pay. If you claom, you don't necessarily lose all of it but you might find yourself with say a 30% discount instead of the 60%.


To work out whether it's worth it, I would quiz the insurer about what impact it would have on your NCD if you claim and what you are getting now, and compare that potential cost, and how likely you think you are to claim against the extra premium to protect. ?30 sounds like a good deal to me, ?150, not so sure.

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