I had a quick look at MAAF, it seems it only started in November 2007, so perhaps the others will do something similar.
It certainly gives a form of protection in the event of an accident if you have two years prior blame free motoring. However, what it appears to do is use the no claims bonus element of the premium to pay off and limit the additional premiums that normally follow a blameworthy accident, but doesn't that mean that you effectively lose you NCB of 50 % and now pay 50% more the following year?
Why not just post a sensible answer, people will appreciate it more
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