I've been driving for 21 years and never had an accident until this year. I had 21 years of no claims discount, but it wasn't protected. This year I had two incidents, I was at fault both times. Now my insurer, AVIVA, say that I have used up all my no claims discount. They only consider a maximum of five years of NCD and if there are two incidents within three years, which applies to me, then all NCD is utilised. I feel that this is unfair. Do all insurance companies work like this? What would you advise for me to do at my next renewal?