I have been driving for over 40 years and in recent times have been displaying the kind of loyalty insurance companies show to their own clients - i.e I have been switching regularly to save money and take advantage of these "introductory" offers. Inevitably this means the inconvenience of a little added paperwork every year, but there are real savings to be had. I have had a protected NCD for many years as peace of mind and have wondered, on the basis I do make a claim, there should, in theory, be no increase in premium the following year, and my NCD remains intact. Should I switch insurer, however, should I be declaring a "claim" within the last five years (as they always ask) or remain silent, given my NCD is protected?