Ahhh yes its that time of year again, Car Insurance renewal time.

Is it worth paying extra for "Protected No Claims" or is just another means to eject more of your hard earned cash ?

On a quote I found that opting for protected no claims actually increased the excess on the policy, as well as bumping up the price of the quote.

Just wondered what other peoples thoughts or experiences were ?

Renewed mine not long ago and basically lied.

I called my existing insurer and said that I'd had a quote elsewhere £75 cheaper and no excess whatsoever.

They matched it!!! Not a huge gain but cheaper than last year is cheaper than last year.

Made me wonder why they didnt offer that in the first place therefore I felt no guilt.