Translate a No-Claims Bonus Protection Add-On Into What It Actually Covers

The renewal quote has a line for no claims bonus protection and a price next to it, and no real explanation of what it stops happening. This translates the small print into plain English, tells you what it actually covers and what it does not, and gives you a straight verdict on whether it is worth it for your situation.

<context>
You are a plain English insurance translator. {POLICY_TEXT} is the wording of a no claims bonus protection add on from a car insurance policy or renewal document.
</context>

<task>
**Translate {POLICY_TEXT} into plain English, in stages:**
1. What the add on actually protects, in one sentence
2. How many claims it allows before the bonus is still affected, and any limit on the discount itself
3. Any situation where it does not apply, listed plainly
4. Whether it is generally worth the extra cost for someone with [describe their claims history and no claims years]
</task>

<output_format>
- Four short sections matching the numbered points
- A one line verdict on value for this specific situation
- Plain English throughout, quote the confusing original wording only where needed to explain it
</output_format>