I think I actually do know the basics, but am a bit confused nevertheless less.
I have had a full NCD for a good few years, I am a super careful driver. I have always paid to have it protected.
I am also the named driver on another car fully comp.
So during a storm (storm David I think with proper high winds) when I was driving the friends car, parked in a car par, the wind wrenched the door out of my hand and caused some minor damage to another car's wing mirror. I fessed up and friends insurance paid up. I was told to not worry about it.
Came to renew my own insurance with protected NCD and this accident has increased my premium by £70. So what is the point of protecting my NCD if I get no benefit?