Not a silly question at all but bell wanted 450 extra to protect my no claims so I didn't bother and I didn't plan on having it smashed up 
second this, insurance companies talk up the no claims bonus. no point having them if you are not going to claim, may as well drive around and just pay the fines when you get pulled up, most good companies have a no claims bonus protection of 1 or 2 claims per year and you get too keep your no claims bonus..... think you should look at changing to what the rest of the UK boys on here useI wouldnt worry about ncb they only really care about driving experiance. Wrote my car off and im now down to one years ncb from five year ncb and its made £20 differance
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