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The discussion centers on the cost of purchasing protection for your no claims discount on car insurance. Research was found that analyzed the additional annual cost of this protection compared to the increased premium after making a claim. The findings indicated that typically, the cost of having no claims protection raises the average insurance premium by approximately £60 to £62 annually. After making a claim within the first year, the premium could increase by about £155. The study highlights the financial implications of maintaining a no claims discount versus facing higher renewal costs after a claim.