All my driving life, Ive protected my NCD. Basically in the 19 years I have been driving, I have never had to claim, so me being the bright button, didnt protect them last year, thinking if anything happened, I would only lose a year or two's worth of NCD.

Well it did happen in May when I bumped up the back of someone

Imagine my shock when my renewal came through, to say I now only have 2 years NCD . Also didn't know that you can only protect it when you have 4 years worth.

What a complete bummer, Im now back to paying what I regard as silly amounts for my insurance for the next two years...Im 37 and drive a bloody diesel ffs