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not wanting to wander off into an insurance debate (might end up splitting this thread), but:
Protected NCB is all well and good - it protects your (say) 60% discount in the event of a claim.
However, it does not stop them from raising the base price before the discount.
base price this year = £1000. 60% off = £400
claim
base price next year = £2000. 60% off = £800
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