To not protect a no claims discount

[AmazonAmazine]

I’ve had it drilled into me about protecting my NCD for car insurance, and I’ve built up 18 years. I started to wonder how how much difference this extra 5-10% of cost I pay made, and how much my insurance would go up regardless if I made a claim that I had to notify. Playing around on comparison sites with NCD I discovered:
15 years ncd- £376
3 years ncd- £358 (if I made one claim it drops to this)
0 years ncd-£412 (if I made mutiple claims unprotected it drops to 0)
Basically the extra £20/30 yearly barely affects the price! It felt like a bit of a con, in reality the numbers of years driving, age/ points and claims made in n the last years are clearly the factors that count.

Recommend to people to look at this in their own calculations on price comparison sites and consider if paying extra to protect works for them.

When doing those quotes are you also putting in a fault claim or just dropping the ncd amount? A lot of the time it will be the claim that changes the price not the number of years ncd

Yes, but what I’m saying is the scam of it is the fault will increase the price- regardless of if you protect your discount or not. The NCD isn’t what makes the difference.
Adding in a claim with and without a ncd made £47 difference

Oh yeah agree completely I have mine protected and a fault claim still increased mine. The thing is if all the other factors are good so decent age, fine area and not using the car too much or too little it won't actually make that much difference and removing pncd will save money x