DW has had the misfortune of a blonde moment. Due to an earlier blonde moment (mine this time) I had to claim off the contents insurance and as such my NCD protection won't help.
How does one go about working out whether the claim is worth the increased premium? I'll lose 2 years NCD if I claim.
It'll only be the second time Ive considered claiming as I usually just suck up the incident.
Claim will be for ~£400.